During the online application process which CIBIL offers, if you are able to successfully answer 3 to 5 random validation questions (about your old loans), your CIR / Credit Report will be emailed to you by CIBIL within 2-3 days; most often you get it almost immediately.
If your authentication fails, you will receive an email/SMS from CIBIL requesting you to provide an ID and address proof. Once you furnish these details, it will take about 7-10 days to receive your credit report through courier.
A CIBIL report is a record of your credit history. It is a snapshot of your credit worthiness. This report is created based on the information submitted to CIBIL by banks and other lending institutions across India. It is very important to understand your CIBIL report because lenders approve loan applications to evaluate your credit worthiness. Lenders believe that your past behaviour strongly indicates your future behaviour.
How to apply for a CIBIL report?
You can log into the official CIBIL website CIBIL.com and fill up an online form which requires all your personal information and upload your address proof and id proof.
On filling the form you have to pay a particular amount to CIBIL either through debit card, credit card or net banking.
After paying the money to CIBIL, you will be asked to answer 5 questions related to your credit history. And if your authentication is successful, you will get your CIBIL report in your email within the next 4 days.
If your authentication fails your CIBIL report will be sent your address at what you have provided within 10 days.
Free Credit Health check :
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