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Personal Information (as per bank record)

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Personal Information

* As per bank records

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What's in your report?

Repayment History

Information about your payment punctuality and any delayed payments that have been reported

Card Utilization

Your credit card usage related information. Your credit card management affects your CIBIL score.

Credit Line Age

The longer you've been banking, the better your score. Find out how long your reported credit history is.

Credit Mix

Information on what kinds of loans you've acquired. Your credit cards, secured loans and unsecured loans contribute to your credit mix.

Recent Enquiries

Information on how many banks or lenders have made enquiries about you. The fewer the enquiries the better.

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What is CIBIL Score?

CIBIL Score is a three-digit numeric summary of your credit history. The score is derived using the credit history found in the CIBIL Report (also known as CIR i.e Credit Information Report). Your CIBIL Score is one of the fundamental requirements to apply for a loan and is used by banks to judge your eligibility.

Who calculates credit score?

transunion
equifax
experian
crif

CIBIL, Experian, Equifax and Highmark are all credit information companies (CIC). These companies collect the credit history and activities of their borrowers and make a report of those records thereby assigning a score.

What is the difference?

They all work on the same principles, but CIBIL continues to be the most dominant choice of banks and the most reliable one.

Frequently Asked Questions

01

CIBIL Score is one of the fundamental requirements any person looking to apply for a loan should take care of. CIBIL is the abbreviation for the Credit Information Bureau (India) Limited. This company is India’s first Credit information bureau and, at present, holds the records of all credit-related activities of the people. Banks submit various documents to the bureau usually on a monthly basis. After the thorough analysis of the records, CIBIL generates a report called Credit Information Report or abbreviated as CIR, which is used by the masses. This report has a score on it, which is your CIBIL score. This score can be given to either people or companies.

02

CIBIL, Experian, Equifax and Highmark are all credit information companies (CIC). These companies collect the credit history and activities of their borrowers and make a report of those records thereby assigning a score. They all work on the same principles, but CIBIL continues to be the most dominant choice and the most reliable one.

03

CIBIL issues three-digit numbers as credit scores for companies or people. The score range 300 to 900. People or businesses with the CIBIL score of 300 are considered a bad bet for the loan providers. A bank or a financial institution or a non-banking financial company looks for a score of at least 750. A score of 750 instantly portrays your reliability and ability to pay off the debt you take as per requirements quickly. Along with a higher chance of getting the loan, you also find that many banks and companies may offer you impressive and attractive offers as well.

04

With a low CIBIL score, a company or a person will most likely be denied the sum of money. And even if the procedure for the loan begins, the person or the company may have to face many difficulties to get the loan sanctioned. Luckily, there are various ways to which we can fix the CIBIL score.

05

Every bank or lender checks the CIBIL score before sanctioning the loan. The banks or any other kind of lender will only have to put in a “hard” inquiry to get all your details from CIBIL. Your loan application will be scrutinized by keeping your Credit Report and CIBIL score in mind. Enquiries made through Rubique are “soft” enquiries and do not affect your CIBIL score.

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