Technofriends

If you are planning to take a loan from a financial organization, you might be denied the loan if your Credit Information Report which is generated by CIBIL ( Credit Information Bureau India Limited) doesn’t rate you well. Financial organizations these days can ask for your credit report from CIBIL before approving your loan / mortgage.

Your CIBIL credit report is basically a factual record of your credit payment history compiled from information received from various partner credit granting organizations. The purpose is to help credit granting organizations make informed lending decisions – quickly and objectively, and enable faster processing of credit applications to help provide speedier access to credit for end users at better terms.

This article, describes 3 steps which you can use to access your credit information report from CIBIL. You can access CIR through 3 ways, Email, Letter and Fax.

Getting your credit report from CIBIL through Email

1.) Email the CIR Request Form duly filled in to myreport@cibil.com. CIR form is available for download from here.

2.) Next step is to mail self attested hardcopies of your lastest Identity Proof ( Valid Identity Proof: PAN Card/ Passport/ Voters ID) and Address Proof documents ( Valid Address Proof: Bank Account Statement/ Electricity Bill/ Telephone bill)

3.) You will also be required to send a fees of Rs 142 through Demand Draft in favour of Credit Information Bureau (India) Limited payable at Mumbai. Also, Please note that the fee once paid is non-refundable.

4.) Send the documents from step 2 and 3 to P.O.BOX 17, Millennium      Business Park, Navi Mumbai- 400710.

Once CIBIL receives the documents and fees ( as per steps 1 -4), your request will be processed and copy of your CIR will be dispatched to you.

Get your Credit Report from CIBIL through Letter

1.) Take a print out of and complete the CIR Request Form which can be downloaded from here.

2.) Alongwith the form from step 1, also send, Self attested hardcopies of your lastest Identity Proof ( Valid Identity Proof: PAN Card/ Passport/ Voters ID) and Address Proof documents ( Valid Address Proof: Bank Account Statement/ Electricity Bill/ Telephone bill)

3.) You will also be required to send a fees of Rs 142 through Demand Draft in favour of Credit Information Bureau (India) Limited payable at Mumbai. Also, Please note that the fee once paid is non-refundable.

4.) Send the documents from step 2 and 3 to P.O.BOX 17, Millennium      Business Park, Navi Mumbai- 400710.

Once CIBIL receives the documents and fees ( as per steps 1 -4), your request will be processed and copy of your CIR will be dispatched to you.

Get your Credit Report from CIBIL through Fax

1.) Take a print out of and complete the CIR Request Form which can be downloaded from here. After you have filled in the form, you must fax it to 022-40789007.

2.) Alongwith the form from step 1, also send, Self attested hardcopies of your lastest Identity Proof ( Valid Identity Proof: PAN Card/ Passport/ Voters ID) and Address Proof documents ( Valid Address Proof: Bank Account Statement/ Electricity Bill/ Telephone bill)

3.) You will also be required to send a fees of Rs 142 through Demand Draft in favour of Credit Information Bureau (India) Limited payable at Mumbai. Also, Please note that the fee once paid is non-refundable.

4.) Send the documents from step 2 and 3 to P.O.BOX 17, Millennium      Business Park, Navi Mumbai- 400710.

In case if you have any queries about your credit information report, you can reach out to CIBIL at consumerqueries@cibil.com.

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