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Credit Information Bureau (India) Limited, commonly known as CIBIL™, is India’s first Credit Information Company or Credit Bureau. It maintains records of all credit-related activity of individuals and companies including loans and credit cards . The records are submitted to CIBIL™ by registered member banks and other financial institutions on a periodic (usually monthly) basis. Based on this data, CIBIL™ issues a Credit Information Report or CIR (commonly referred to as a credit report) and a credit score.
CIBIL™ was founded in 2000 in order to bring greater efficiency and transparency in the credit space. TransUnion International (a global credit bureau) and Dun and Bradstreet (a global provider of credit information) are technical partners of CIBIL™ in India. CIBIL™’s mission is “To catalyze growth of Credit in India through: solutions that enable well informed Credit decisions; technology that enables superior information availability; and people that provide high quality services.” It has an ISO 27001 rating, which is the highest security standard in the world.
Shareholders in CIBIL™ include TransUnion International, ICICI, SBI, IOB, HSBC, Union Bank of India, Bank of India, Bank of Baroda, and Allahabad Bank.
CIBIL™ has two focus areas: A Consumer Bureau that deals with consumer credit records and a Commercial Bureau that deals with the records of companies and institutions.
It is important to note that CIBIL™ is a database of credit information. It does not make any lending decisions. It provides data to banks and other lenders who use it as a quick and efficient resource to filter loan applications.
What is a CIBIL™ credit report?
What is the importance of a CIBIL™ report?
How to read a CIBIL™ credit report?
How can I check my CIBIL™ credit score?
Should I check my CIBIL™ score before applying for a loan?
What are the factors that affect a CIBIL™ score
How can I improve my CIBIL™ score quickly?
What are some common mistakes that decrease your credit score?
What is a good CIBIL™ score?
What are the consequences of applying for a loan with a poor CIBIL™ score?
How long does it take to improve a CIBIL™ score?
Does making late payments affect the CIBIL™ score?
Does missing a payment affect the CIBIL™ score?
What is a CIBIL™ credit score and Credit Information Report
Loan rejected even with good CIBIL™ score – possible reasons
What is the role of CIBIL™ in the loan approval process?
Does my savings account balance affect my CIBIL™ score?
Is there any other credit bureau operating in India apart from CIBIL™?
What is a control number?
How do i rectify errors in my CIBIL™ report?
What Everyone Must Know About CIBIL™ and Credit Score?
What is the CIBIL™ score required for Credit card
What is CIBIL™ Transunion score?
What should be the CIBIL™ score for personal loan?
What is the best credit score?
What is the minimum CIBIL™ score to get a Personal Loan?
How is the CIBIL™ Score calculated?
CIBIL™ Score for Home Loan?
CIBIL™ Score for Personal Loan?
How to check CIBIL™ score for free?
Good CIBIL™ score for car loan?
Good CIBIL™ score for loans?
How much of a CIBIL™ score is required for a credit card?
How to improve CIBIL™ score immediately?
How to improve CIBIL™ score?
How to read CIBIL™ report?
How to remove name from CIBIL™?
Increase credit score?
Meaning of CIBIL™ score?
Know your CIBIL™ score?
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How to improve CIBIL™ score after credit card settlement?
Importance of a CIBIL™ credit score in getting loans in India?
How to check your CIBIL™ score with your PAN card?
Will Education Loan Affect credit?
How CIBIL™ Score Can Impact on Your Loan Interest Rate?
Will the one time settlement of an educational loan affect the CIBIL™ score?
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