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May 19 2019

How to check credit score online free / Video

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How to check credit score online free / Video, REMMONT.COM

How to check credit score online free


What is CIBIL?

CIBIL or TransUnion CIBIL (Credit Information Bureau (India) Limited) is India’s oldest and most reliable Credit Information Company (CIC) that provides credit related services to its members nationwide. Since its establishment, in the year 2000, CIBIL has been collecting and maintaining credit information of Indian residents provided by banks and NBFCs. The credit bureau on the basis of the credit information of an individual, generates their credit report and credit score. The lenders on the basis of the credit report provided by CIBIL, analyze whether the applicant is capable of repaying one’s loan on time or not. This way, CIBIL performs an essential role in India’s financial system. As per the latest records, CIBIL consists of 2600 members, which include several leading public and private sector banks, financial institutions, housing finance and non-banking companies. In 2017, CIBIL launched its MSME (Micro, Small and Medium Enterprises) rank to help lenders assess loan risk for businesses.

What is CIBIL Score?: CIBIL Score, also known as the TransUnion CIBIL score, is a 3-digit number ranging from 300 to 900. The credit score reflects how well or how poorly a person has dealt with loans or credit cards in the past. The higher your CIBIL score, the better your chances of getting a loan or credit card application approved in future.

How to Get Your CIBIL Score for Free?: To get your credit report for free, follow these steps:

  • Visit CIBIL’s official website and click on the link for free credit report.
  • Create your CIBIL account.
  • Fill out a form with below details for identity verification with CIBIL:
    • Date of birth
    • Gender
    • Postal Address
    • Identity Proof Number (PAN, Aadhaar, etc.)
  • Accept terms and conditions

Once you accept terms and conditions, CIBIL will show your Credit Information Report (CIR).

You can get your full free credit report only once in a year. Therefore, to get your CIBIL report again in the same year, you will have to pay Rs. 550/- for the same. To get access to CIBIL score and reports, there are few other paid subscription plans as well, which you can choose as per your convenience.

How to get free CIBIL report from Paisabazaar.com ?

Now you can get Free CIBIL report from Paisabazaar.com for a lifetime with regular updates, by just filling in few important details. Below mentioned are a few simple steps to follow and get your CIBIL report for free:

  1. Select your gender
  2. Type your name in the ‘Full Name’ section as per your PAN card.
  3. Select your Date of Birth
  4. Add your PAN card number and the PIN code of your residential address
  5. Select the city from the drop down, same where your PAN card has been generated
  6. Add your registered mobile number
  7. Mention your email address on which you want to get your CIBIL report

By clicking on the small box below you agree to the terms and condition of Paisabazaar.com

After adding all the details kindly recheck that the mentioned details are correct as per your information. Finally, click on the below tab that says Get Free CIBIL Report’ and get your CIBIL report in a few minutes.

Importance of CIBIL Credit Report: All banks and financial institutions check credit reports of the loan or credit card applicants before approving their credit applications. The credit report and credit score of an individual indicate his/her financial stability, which helps the lenders to analyze whether that individual will be able to repay the loan amount on time or not. Credit reports are generated by the credit bureaus on the basis of credit information that is collected from member banks and credit institutions on regular intervals.

CIBIL is one of the major credit bureaus in India that generates a credit report along with a credit score that defines creditworthiness of an individual. If you have been paying your credit card bills and loan amount on time, then your credit score will increase gradually thus making you a trustworthy borrower. High credit score or score close to 900 means that there are better chances to get a loan at considerate or lesser interest rate. If you tend to maintain a low credit score, then there are high chances that your loan application may get rejected by the lenders. For any individual, it is recommended that they check their CIBIL score regularly so that they can maintain or improve it, in case the score is low.

Consumer CIBIL Bureau vs Commercial CIBIL Bureau: CIBIL is a credit bureau that contains credit information of its clients, customers and members. It basically constitutes of two segments, that include Consumer and Commercial bureaus. The first segment maintains the credit records of individuals those are collected from CIBIL’s member banks and credit institutions. Launched in 2004, the Consumer CIBIL Bureau currently holds over 600 million credit records.

The second segment is the Commercial Bureau, which maintains the credit information of non-individuals, such as public limited companies, and partnership and proprietary firms. It was launched in 2006 and currently maintains around 32 million credit records.

What is a Credit Report?

A Credit Report is a financial document, which shows your credit history with respect to all forms of credit. There are various types of credit or borrowing tools that form a part of the credit report, including credit cards and all sorts of loans, such as personal loan, home loan and car loan. Most importantly, such information is a historic representation, therefore in case you have never taken any loan or never applied for a credit card, your credit report shall not reflect any details.

As credit report only reflects how you have used credit instruments, such as loans and credit cards in the past, your net worth plays no direct impact on how high or low your credit score would be. Therefore, your bank balance, annual salary, business turnover, investment in mutual funds, real estate holdings, or amount of gold you own, etc. will not show up on your credit report and have no direct impact on your credit score. However, owning large number of assets may have an indirect bearing on your ability to get loans in the future as you would be better placed to opt for secured loans using property, mutual funds or gold as collateral.

Key Information Contained in a Credit Report

Apart from the historic records pertaining to your borrowing instruments, such as loans and credit cards, your credit report also includes the following key information:

  • Name
  • Date of birth
  • Permanent Account Number (PAN)
  • Aadhaar Card
  • Additional Identity Information such as the serial number of Driving License, Voter’s ID card, etc.
  • Current and previous residential addresses
  • Current and previous employers with their address
  • Income tax information availed through previous IT filings
  • Dates on which your credit report was pulled by lenders to determine loan/credit card eligibility
  • Information related to overdraft facilities available with your banking accounts, etc.

Companies that Prepare Credit Reports in India: In India, credit reports are prepared by establishments known as credit reporting agencies, credit bureaus and credit information companies. These institutions maintain the credit information of every individual submitted by various member banks, NBFCs (Non-banking financial companies) and the Income Tax Department of India. There are four credit bureaus that provide credit reports in India – TransUnion CIBIL, Experian, Equifax and CRIF High Mark. Each of these credit bureaus has slightly different credit scoring models; hence the same individual’s credit score can vary in reports prepared by different agencies.

The idea of these credit scoring models is not to deny loans to customers, but to avoid lending money to customers with bad credit history, thereby limiting the chances of repayment defaults. Credit bureaus have brought change to the in-house scoring model of the banks by introducing a credit scoring model, which benefits the customer and banks equally. While for customers, the credit bureaus create more room for lower interest rates, for banks and NBFC’s they provide convenience by offering useful and relevant credit information of every individual.

TransUnion CIBIL Credit Report: CIBIL stands for Credit Information Bureau (India) Ltd. and it was set up as India’s first credit bureau. Currently, CIBIL has teamed up with TransUnion, a globally recognized credit rating and analytics company, to provide credit report to Indian citizens. Generally, lenders who are registered members of CIBIL, submit monthly credit reports to CIBIL regarding their borrowers. CIBIL on the basis of such information prepares credit reports. CIBIL credit reports are available in the lieu of a fee, but are also available free once in a year at any time at their website. Key Institutions that have holdings in TransUnion CIBIL include Bank of India, Indian Overseas Bank, ICICI Bank, India Alternatives Private Equity Fund, Aditya Birla Trustee Company Private Ltd., Union Bank of India, Bank of Baroda and TransUnion International Inc.

Experian Credit Report: Experian India is a completely owned subsidiary of Dublin, Ireland-based Experian LLC and operates as Experian Credit Information Company of India Private Limited. Experian credit reports include the details of all your previous loans and credit cards. The company uses its proprietary statistical algorithm to calculate your credit score. Therefore, the credit score provided by Experian would be different from that provided by TransUnion CIBIL or any other CICs (Credit Information Companies). Those who require Experian credit report can get it for free once a year at its official website. As per the RBI’s directives, the CICs shall give access to the FFCR (Free Full Credit Report) along with the credit score any time once in a year to every individual whose credit data they hold. You can access your Experian credit report online as well as through email, to check your eligibility for loans and credit cards or to identify the instances of identity theft. Some leading Indian financial institutions that have collaborated with Experian include Union Bank of India, Sundaram Finance, Punjab National Bank, Magna Finance, Federal Bank, Axis Bank and Indian Bank.

Equifax Credit Report: Equifax is an Atlanta, US-based international organization engaged in providing information solutions for the workforce, commercial and consumer segments. Equifax India operates as ECIS (Equifax Credit Information Services Private Limited), which collaborates with leading financial institutions in India, such as Union Bank of India, Sundaram Finance Limited, Religare Finvest Limited, Kotak Mahindra Prime Limited, Bank of India, Bank of Baroda and State Bank of India. The consumer credit bureau department of Equifax India has been operational since September, 2010. You can get a copy of your free Equifax Credit Report at Equifax’s official website once in a year.

CRIF High Mark Credit Report: CRIF High Mark is India’s only full service credit bureau, which provides credit reports to individuals across retail, agriculture and micro finance lending sectors and businesses. CRIF credit report includes credit score ranging from 300 to 900, wherein score closer to 900 is considered good. Details of all your current and previous loans and credit cards and your personal details are captured in this credit bureau. As per the RBI’s orders, individuals can request for their full CRIF credit report and score for free at the credit bureau’s website once in a year. CRIF High Mark is among the leading providers of banking credit information in continental Europe. It is also among the key global players who specialize in business information, analytics, scoring, and decision and credit management solutions. CRIF High Mark’s other investors include State Bank of India, Punjab National Bank, SIDBI, Edelweiss and Shriram City Union.

How to Read your CIBIL Report?

A CIBIL report basically includes your credit history that is maintained and recorded by the credit bureau. This report along with the credit score is used by the money lenders and banks to know your creditworthiness. Usually, the credit report contains the following elements:

CIBIL Score: Your credit report consists of a 3-digit number, ranging from 300 to 900. This number also termed as score, plays an important role in getting you loan and credit card approvals. This 3 digit score determines your history of defaulting on your loan payment, based on your credit history. A score close to 900 is considered good which increases the chances of approval on your loan and credit card applications.

Personal Information: Your CIBIL report also includes some personal information, such as your name, date of birth, gender, contact details and PAN, passport and driving license numbers.

Account Details: This section contains information regarding your types of loans and credit cards owned till date. Along with the details of the lenders, it also contains your account number, loan type, current loan balance, overdue amount, interest rate of each loan, etc. It also shows the monthly record of your credit payments.

Employment Details: This section shows your monthly or annual income as reported by the credit bureau’s member banks and other financial institutions.

Contact Information: This section includes your contact information, such as your address and mobile numbers.

Enquiry Details: The last section of credit report depicts the name of the lenders who have enquired about you. Therefore, if you notice too many enquiries in a short-span of time, it may negatively impact your credit score.

The Utility of Credit Reports

The primary purpose of these reports is to help lenders, including banks and NBFCs to determine the creditworthiness of loan or credit card applicants. Your report contains data regarding how closely you have followed the payment schedule of your previous or current loans and credit cards monthly cycles. Important information related to missed payments, past due payments and related penalties is also present in your credit report which is further taken into consideration when calculating your credit score.

Basically, credit score is a 3-digit number, which is derived statistically by taking multiple parameters into account and as a rule of thumb, the closer your credit score is to 900 mark, the more creditworthy you are believed to be by several prospective lenders. On the contrary, the closer your credit score is to 300 mark, you shall be determined less creditworthy and there will be less chances in getting the approval on loan/credit card applications from numerous lenders.

Potential lenders are not the only institutions who have access to these reports. You can also access a copy of your report. With the help of your credit report, you can also determine your eligibility for loans and credit cards approvals that you might be interested in. In fact, it is always recommended to get a copy of your report at least once a year to ensure that the information in the document is technically correct and updated as per your information. Errors in your credit report can cost you much, as it may lead to rejection of credit card/loan applications, as well as availability of lesser loan amounts or high interest rates charged to loans and credit cards issued to you.

Simple Steps to Improve and Maintain Your Credit Score

If you have been rejected for a loan or credit card, there is a high probability that it happened because there could be information in your credit report that marks you as a borrower with low creditworthiness, which is a bad news. The good news is – it’s not the end of the world and with a small amount of effort you can improve your creditworthiness. For starters, any information featured on your report only stays there for a limited period, usually five years or less. So any information beyond that period is replaced by new information that you add or update. So follow the tips and measures mentioned below to start laying the foundation of a good credit score and an error free credit report:

  • Ensure your pay your credit card bills and loan EMIs on time
  • Do not apply for multiple loans and credit cards simultaneously
  • Check your credit report for mistakes periodically and get them corrected if required
  • Keep your credit utilization ratio lower than 30-40% mark across all credit cards.
  • Ensure that you do not have multiple outstanding unsecured loans or credit cards.

Among the above, the main reason why many people have a low credit score is due to late payments of loan EMIs and credit card bills. It is easy to avoid late payments via timely checking your payment reminders and through following disciplined monthly installment routine. The other common reasons, such as a high credit card utilization ratio and multiple outstanding loans are usually the result of lifestyle inflation, which is also avoidable through careful financial planning.

Applying for Your Credit Report

As mentioned earlier, one can avail their credit reports from four major credit bureaus, including Equifax, Experian, CRIF High Mark or TransUnion CIBIL. They can request for their credit reports online as well as offline. The turnaround time i.e. the duration between application submission and receipt of the report will vary as will the associated charges and the documents required.

Online Application Procedure: In case of an online application, you need to follow the steps given below:

  • Fill out the credit information report application form.
  • Pay the required fees* through credit card/debit card or net banking.
  • Provide the answers to authentication tests, if required (this is required to ensure your identity).

In case you fail to pass the authentication test, you have to upload digital copies of your documents to get hold of your report.

In case of online reports, the credit bureau sends those out via password-protected e-mail attachment to your registered e-mail ID and also through speed post or courier, which is sent to your registered address within 7 to 10 working days.

*As per RBI’s instructions, all credit bureaus shall give access to the FFCR (Free Full Credit Report) along with the credit score any time once in a year to every individual whose credit data they hold.

Offline Application Procedure: In case you plan to apply through the offline route, you need to do the following:

  • Download and fill out the credit information report application form from the desired credit bureau’s website.
  • Attach the required documents such as the copies of PAN Card and Driving License.
  • Enclose a Demand Draft payable to the relevant authority for the required amount and mail it to the address mentioned on the website/application form.

In case of offline applications, you should receive your report within 7-10 working days by courier at the address mentioned by you on the application form. You can also check your application status online in the interim.

Difference between Credit Score, Credit Report and Credit Rating

Due to the interchangeable use of these closely related terms, there is often confusion between the terms credit score, credit report and credit rating.

Following is a table comparing these three terms**:

Credit Score

Credit Report

Credit Rating

A statistically generated 3-digit number that sums up your creditworthiness.

A historical record of the repayment schedules of all loans and credit cards of an individual.

This conveys the creditworthiness of companies, countries or governments.

A high credit score (closer to 900) improves your chances of getting a loan approved. A low credit score (closer to 300) adversely affects your chances of getting a successful approval on loans or credit card applications from lenders.

A clean credit report leads to a good credit score. The credit history of a good credit report proves that the borrower was good at managing various debt instruments.

Credit rating is usually denoted by grades, such as AAA, AA, B++, etc. A company rated as AAA would be able to raise funds at a much lower rate as compared to the companies with lower ratings.

Changes depending on how well or poorly the borrower manages his/her debt instruments, such as loans/credit cards.

An entry in your report stays for around 5 years till it is replaced by newer entries.

Changes depending upon the performance of the industry, the market or the company/country.

**The above table is indicative and the information provided is subject to change.

Credit Report for Business

A business credit report is also generated by various credit bureaus and these reports play a vital role in determining the sanctioning of business loans. Unfortunately, a free credit report is currently only available for individuals not for businesses, therefore you will have to pay a fee when you seek a business credit information report. Additionally, business credit information reports may take a few more working days to reach at the mentioned address as compared to an individual’s credit report, which takes about 7-10 business days to reach the mentioned address.

Key Terms That Feature on Your Report

A credit report is analogous to a medical file and you need to be well-versed with some of the key terms while reading it to understand your financial health better.

Some of the must-know terms are given as follows:

NA/NH : In case you do not have a credit card and have never taken a loan, this is what your credit score would look like. Otherwise, it could mean that you have NA (No Activity) or NH (No History) of credit for past two years. This term also imply that you have no credit exposure, in case you use add-on cards those are linked to your spouse’s or parent’s accounts.

STD : This entry is termed as (Standard) and is found against loan/credit card accounts, if the credit payments are made timely, or within 90 days from the due date.

SMA : An account is classified as Special Mention Account (SMA) if it is moving from being a standard account to sub-standard due to overdue loan/credit card payments.

SUB : An account is classified as (Sub-Standard) if the loan/credit card payments are being made after 90 days.

DBT: An account is classified as DBT (Doubtful) if the account has remained in SUB status for 12 months.

LSS : When an account is tagged as LSS, it signifies that there is a loss, which remains uncollectible.

DPD : Days Past Due (DPD) column displays the number of days by which a scheduled payment was delayed for the account. Ideally this should show up as 000, meaning no late payments.

Written Off/Settled Status : If the status of an account is mentioned as written off, it implies that the borrower was unable to pay the outstanding dues for more than 180 days and as a result, the lender has written off the unpaid dues. If the status of an account is mentioned as settled, it implies that the borrower in consent with the lender has partly paid the dues against the total outstanding amount.

The terms mentioned above are just a representative list and the list is by no means exhaustive.

FAQs (Frequently Asked Questions)

Q1. How is my CIBIL Score calculated?

Your CIBIL score is calculated using a complex statistical model, which is a proprietary business secret of TransUnion and CIBIL and hence, not available to the general public. The statistical model identifies multiple variables in your credit report in order to calculate credit score.

Q2. Will my CIBIL score ever change?

Yes. Your CIBIL score depends on multiple factors, such as all current and previous loans/credit cards, payment history of credit instruments, number of outstanding loans/credit cards and card utilization ratio. A change in any of these factors can bring about a change in your CIBIL score. Thus, little noticed factors, such as late payments and maxing out your credit cards, as well as more noticeable factors that include a new home loan or car loan can also change your credit score.

Q3. Is CIBIL the only one who provides a CIBIL Score?

Yes. CIBIL Score is provided only by TransUnion CIBIL (Credit Information Bureau (India) Limited) and it is one of 4 bureaus that provide credit scores and credit information reports to individuals throughout India. Apart from CIBIL, various other credit reporting agencies that are currently licensed to operate in India are Experian, Equifax and CRIF High Mark. Each bureau provides its self-generated credit reports and scores respectively to its clients and members worldwide.

Q4. Is the Credit Information Report as same as the CIBIL Score?

No. Your score is only a part of your credit report, which is also known as the CIR (Credit Information Report). Apart from your credit score, your CIBIL report also includes the details of various loans and credit cards that you have had over the past 5 to 7 years. The details related to your credit card/loan include credit limits, credit repayment track record, number of credit checks performed by prospective lenders in the past, and lot more. Just like a medical report provides details regarding your physical health, similarly, a credit report provides the details about your financial health.

Q5. Can everyone access my CIBIL Score?

No. Your CIBIL score is confidential personal information that only you or a few authorized entities (on your consent) are allowed to access. These authorized entities can access your credit report only under specific circumstances, for instance when you apply for a new loan or credit card and are legally not allowed to share any of information with any unauthorized third party. Some authorized entities that can access your CIBIL score/report include financial institutions and banks, who are trusted CIBIL members.

To dispel some of the common myths associated with credit score, please read “Top 4 Credit Score Myths Debunked”

Q6. How do I check My CIBIL Score?

You can get your CIBIL report and score online, as well as offline. To get your CIBIL score and report online, you need to visit the CIBIL’s official website, fill out the CIBIL Online Credit Score Request Form and proceed to payment. Your request for CIBIL score will not get completed until you answer a few questions regarding your loans and credit cards for authentication. Once your details are verified, you will receive your CIBIL score and report through an e-mail within 24 hours.

To get your CIBIL score and report offline, you need to download the credit information report application form from the CIBIL’s official website. Fill out the form and submit it to the mentioned address with the Demand Draft and the required documents. On receiving your request, CIBIL will verify the information and send you a printed copy of your credit report at the mentioned address.

Note: Individuals can avail FFCR (Free Full Credit Report) once in a year.

Q7. How to check CIBIL Score using PAN Card?

In India, your PAN (Permanent Account Number) acts as an identifier for various financial transactions and helps in checking your CIBIL report and score. So make sure you keep your PAN card handy while requesting for CIBIL report.

Q8. How to check CIBIL Score for free?

As per the RBI’s directives, the credit bureaus shall give access to FFCR (Full Free Credit Report) once in a year to everyone whose credit information they hold. You can request for your free credit report anytime once in a year from the CIBIL’s official website.

Q9. How did CIBIL know about my loans and credit cards?

CIBIL works on a reciprocity principle i.e. CIBIL members can access the records of CIBIL only if the members (Banks and NBFCs) provide TransUnion CIBIL with the records of their borrowers. In this manner, all your loan and credit card information gets reported to CIBIL by your existing lenders and these form the basis of your report and score. The same logic holds true for credit scores prepared by Experian, Equifax and CRIF High Mark.

Q10. Would checking my CIBIL Score cause it to decrease?

No. If you check your credit report or score, it is considered to be a “soft look” and this type of check does not affect your CIBIL score in any way. This holds true even if you’re checking other credit bureau’s credit score or report.

Q11. Why do banks need to check my CIBIL Score?

Banks are termed as businesses who also strive and work to make money. So when granting a new loan or credit card, they want to be sure that the applicant will pay it back on time. By accessing your credit report and score from credit bureaus, the loan officer will be able to judge whether you are a low risk borrower who has little chance of defaulting or a high risk borrower with a high risk of defaulting. Depending on this analysis, your loan interest rate, loan quantum, credit limit of a new credit card, and other similar variables are determined.

Q12. Why is a credit card account that I already paid off and closed still on my report?

Your current lenders report your loan/credit card status to CIBIL periodically and these details get reflected in your report over the time. Therefore, if you close out a loan or credit card account this month, it might be a couple of months before the information gets reflected in your credit report. Other causes of such discrepancy may be a reporting error due to the bank or NBFC that you took the loan or credit card from or you may be a victim of identity theft.

Q13. What happens if my CIBIL Report has errors?

In case you find errors in your CIBIL report, you can request CIBIL to correct it through their Dispute Resolution procedure. As part of this process, you will be required to submit supporting documents, such as bank NOC, loan settlement letter and also nominal fee to get your records updated.

Q14. Can CIBIL delete or change my credit information on its own?

No. CIBIL does not have the authority to delete or make changes on your credit report on its own. They are only involved with collating the data as provided by the member banks and NBFCs. However, in cases of credit report disputes, CIBIL will make changes to your credit report provided there is sufficient documentary evidence to show that an error has actually occurred. However, the concerned banks or NBFCs will have to provide the necessary clearance before CIBIL make such changes.

Q15. What is CIBIL 2.0?

Over the past few months, TransUnion CIBIL has been shifting to a new scoring model in order to be more relevant with changing customer credit data and profiles, as well as current economic trends. This new scoring model has been termed as CIBIL 2.0. The main change is an assignment of risk index from 1 to 5 to individuals with relatively new credit history, i.e. less than 6 months. The higher the numeric value of the risk index, the lower is the perceived risk of default.

Q16. Does CIBIL Score affect my chances of getting a new loan or credit card?

At present, your credit score whether reported by CIBIL, Experian, Equifax or CRIF High Mark, is one of the key factors that determine your eligibility to get a new credit product. Different banks and NBFCs have different cut-off criteria in providing new credit products. Maintaining a high credit score (closer to 900) definitely improves your chances of getting approvals on additional credit products.

For more information about how to improve your score, read “Tips to Improve Your Credit Score”.

Q17. How much CIBIL Score is good?

There is no evident data available at present regarding what is a good or high CIBIL score for getting loans or credit cards. As mentioned earlier, the CIBIL score range is from 300 to 900, therefore the closer you are to 900, the better your chances of approval. Anyways, the discretion of providing approvals on loans or credit cards solely depends on banks, NBFCs and financial institutions.

Q18. What is the minimum CIBIL Score required for a personal loan?

Banks or NBFCs in India currently has not released any clear data regarding what is the minimum CIBIL score that they require to grant you a personal loan. However, they also do not grant any personal loan without CIBIL check. So be on the safer side and ensure you maintain a credit score as close to 900 as possible, in order to maximize your chances of approval on a personal loan application.

Q19. What is the minimum CIBIL Score for a home loan?

As banks and NBFCs do not publish any data with respect to a minimum qualifying CIBIL score for home loans, a higher CIBIL score improves your chances of approval on a home loan application.

Q20. How much credit score is required for a credit card?

Currently, you cannot get a credit card without CIBIL check no matter what your credit card agent tells you. Owning a high CIBIL score will definitely boost your chances of a successful application. As of now, the credit card issuers do not publish data regarding the minimum credit score required for a credit card. Therefore, keep your credit score as high as possible.

Q21. How do I increase/improve my CIBIL Score?

CIBIL score is based on your credit history and it cannot be increased overnight, no matter what a self-styled CIBIL score improvement agency might tell you. It starts with paying your credit card dues and EMIs on time, while also requiring you to minimize your outstanding debt.

For more tips on how to improve your CIBIL score, please read “Establishing a Strong Credit Score: 9 Tips and Tricks”.

Q22. CIBIL Bureau Customer Care

In case of a query, feedback or concern, you can contact CIBIL’s consumer helpline number at 022-6140-4300. You can also send them a fax at +91-22-66384666. You may even send your query online at their Self Service Portal (https://www.cibil.com/self-service-portal/viewGeneralQueryFormAction.action).

In case you are not satisfied with the received solution or response, you may escalate the issue to the senior management as mentioned at their Escalation Desk.

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