How do I read my CIBIL report?

Your CIBIL score, calculated based on your credit behavior as reflected in the ‘Accounts’ and ‘Enquiries’ section of your CIR, ranges between 300-900. A score above 700 is generally considered good. Monthly or annual income details as reported by the Members (Banks and Financial institutions).

What does C mean on credit report?

“C” is used to indicate who the co-signer of an account is, while “S” means that you’re a co-signer and will become liable if the maker defaults. “T” indicates that your relationship to this account has been terminated.

What is ECN number in CIBIL?

Enquiry Control Number
What is an ECN number? ECN number is a unique nine-digit number through which a lender finds the credit history of the borrower. ECN is Enquiry Control Number or simply known as Control Number.

Is CIBIL score 775 good?

Its score ranges from 300 to 850. While a score of 720 and above is considered good, 640 and below is deemed to be poor.

What does P mean on a credit report?

P. Pending – Repayment data has not yet been reported for this period (applies only if the period is the month preceding the enquiry) T. Transferred – account transferred to another credit provider.

What is Grid Code G?

Code G, found in the “consumer payment history” section of an Experian credit report, means that at least one account is in collections. This code is applied if the loan — possibly a credit card, car loan or line of credit — is so far past due the lender felt it necessary to turn the file over to a collection agency.

What is control number?

A. The control number is the unique number allotted to a person and is used to identify such person or the credit report for which the dispute is raised.

What is password for CIBIL report?

The password to view your CIBIL report is the first four alphabets of your name as appearing in the on-line application form in lower case and year of birth. There is no salutation (Mr, Ms, Mrs, Dr, Capt etc), dot, hyphen or space in the password.

What is included in a CIBIL report?

The information about all your loans (home, auto, and personal), credit cards, bill payments, enquiries, and CIBIL score are present in your CIBIL report. A CIBIL report is prepared by the TransUnion CIBIL credit bureau. It is a detailed summary of your credit history.

What is the value of a CIBIL credit score?

The value ranges from 300-900. This score is derived from the Accounts and Enquiries section of your CIBIL Credit Information Report (CIR). It is an indicator of the ‘probability of default’ of a borrower based on their credit history. What is a CIBIL Credit Information Report (CIR)?

What is the full form of CIBIL?

CIBIL stands for Credit Information Bureau India Ltd. It is the highest agency in India providing credit reports and ratings to individuals and businesses.

What is the difference between EMI amount and CIR in CIBIL?

It is typically reported by the lenders to CIBIL after 30-45 days of your payment. • EMI Amount: It is the amount that you pay monthly on your loan. • Enquiry: It is added to your report when you apply for a credit card, or a loan and the lender decides to access your CIR.