How can I get my CIBIL report and Transunion Score?

CIBIL Report

You can apply for a CIBIL report and credit score online through the CIBIL Webiste, or we can help you these, when you subscribe to our services.Click here to subscribe!

Please note that when you get a credit report through us, we will provide you with a short summary of issues and let you know whether you are 'loan eligible'. We levy a small premium for the administrative effort, service tax payable and for producing the Quick Credit Scan.

CIBIL is one among the 3 credit bureaus authorized by RBI. CIBIL stands for Credit Information Bureau India Limited. CIBIL is the oldest credit bureau of India and contains the oldest information of all customers. The other credit bureaus are Equifax and Experian. CIBIL collects all the information of individuals from banks and NBFC’s and converts them into a 3 digit number based on algorithms. This score ranges from 300 to 900. It has been observed that most banks and NBFC’s consider lending to customers with a CIBIL TransUnion score of 750 and above.

How to get a CIBIL report and TransUnion score?

To get your CIBIL report, you can log into the official CIBIL website and get your CIBIL report by uploading your documents like address proof and id proof and pay a particular amount. On paying the amount you will receive the report within 24hours in your email address. You can also log in to reputed credit management companies like CreditMantri and complete the documentation procedure and pay a particular amount and get your CIBIL report.

Can I get a free CIBIL report?

You cannot avail a free CIBIL report. But however, when you approach a bank for a loan, they check your credit score to see whether you are credit worthy or not. To do that banks get a brief credit report when you apply for a loan. If you loan gets rejected it is advisable not to apply for another loan. Because there are high chances for your second loan to get rejected as well. And this will affect your credit score negatively.

What is the difference between CIBIL score and CIBIL report?

A CIBIL report consists of a CIBIL score. And your CIBIL report consists of your past transactions, borrowings and repayments to from/ to banks and other NBFC’s. If you maintain a high credit score you are eligible to get a number of loans with a lot of benefits which a person with a low credit score doesn’t get to enjoy.

With CreditMantri, discover credit products best suited for your credit profile. We also provide you a free credit health check and analysis. We have a wide range of lenders who would be willing to lend to your unique credit profile.