Your CIBIL Report (also known as CIR i.e. credit information report) is a record of your financial history compiled from information received from banks and financial institutions. It includes credit enquiries, open and closed credit accounts, personal & employment information and your payment history.

You will find the below details in your CIBIL report.

• Your latest CIBIL Score, a 3-digit numeric summary of your credit history (between 300 to 900).
• A summary of your credit payment history, gathered from information provided by lenders.
• Personal information such as your name, date of birth and gender linked to your loan and credit cards.
• A list of all enquiries made by the lender for your loan and credit card applications for last 36 months.
• Details of all your active and inactive loan and credit card accounts.

You can also watch this video to understand your CIBIL report.

Your CIBIL Score is calculated mainly using your Payment History, Credit Utilization, Age of Credit and Enquiries.

• Your payment history shows how consistently you have made your payments on time and in full. Late payments, missed payments and delinquencies may negatively impact your CIBIL Score.
• Credit utilization refers to the amount of available credit you’re using. Higher credit utilization suggests you may be over-extended, making you appear to be at credit risk to the lenders. Aim to keep your credit utilization low for a better credit profile.
• The length of time you’ve held credit accounts (i.e. loan account, credit card etc.). It shows lenders that you have a track record of managing credit responsibly over time. A longer credit history is typically seen as a sign of stability and reliability
• When you apply for new credit, lenders will often check your CIBIL Report to assess & onboard customers with a proven track record of making timely payments. This may have a marginal impact on your CIBIL Score. Applying for credit, too frequently in a short period of time may therefore negatively impact your CIBIL Score

Your CIBIL Score plays a crucial role when lenders evaluate your loan or credit card applications. Regularly checking your CIBIL Score and Report allows you to assess your credit health, identify any errors, and enhance your chances of loan or credit card approval.

CIBIL cannot delete or change records reflecting on your Report on its own; we simply collect records of individuals provided to us by our members (banks and financial institutions).

If you notice errors, inaccuracies, or fraudulent activities in your CIBIL Report, you can report it to CIBIL. CIBIL registers this as a dispute and assists in reaching out to the respective banks/financial institutions to resolve the disputed or inaccurate data in your CIBIL Report. This is referred to as the dispute resolution process.
To report your concern, enroll to your Free Annual CIBIL Report here . And follow the steps as mentioned in the video .
Alternatively, you can also contact the respective bank/financial institution directly. They appoint a principal nodal officer (PNO) expected to oversee the overall complaints management process of the bank. You can access this detail here.

If you already have a CIBIL account, login here and refresh your CIBIL report. If the information is still reflecting incorrectly then navigate to ‘Raise a dispute’ to report the inaccuracy.
Alternatively, you can also contact the respective bank/financial institution directly. They appoint a principal nodal officer (PNO) expected to oversee the overall complaints management process of the bank. You can access this detail here.
For any more queries on dispute resolution process, click here.

It is recommended to check your CIBIL score at least once every month to stay informed about your credit health and spot any errors or potential fraud/identity theft. Checking your own CIBIL score doesn't impact it. Watch this video to learn more about these common myths surrounding CIBIL.
You are entitled to one Free CIBIL Score and Report every calendar year, as per RBI guidelines. Get Started here .
Additional reports may require a paid subscription. Explore our CIBIL Subscription plans .

Pay your EMIs and credit card bills on time, maintain a low credit utilization ratio, avoid multiple loan applications, and regularly check your report for errors. Consumers are not required to pay a fee for improving their CIBIL Score, rectifying discrepancies or updating their credit information. Watch this video to learn more.