CIBIL which stands for Credit Bureau of India Limited is India's first and foremost credit information bureau. It serves as a repository of information which contains among others the credit history of borrowers both commercial and consumers. CIBIL also provides this information to Banks, lending agencies which are its Members in the form of credit information reports for a specific borrower.Till now, one could not get access to their own credit information since there was no provision for the same. I too have had a very bad experience with ING Vysya bank and a home loan that I have with them. Till date it has been almost 2.5 years and 5 lakhs of regular payment with Post dated Cheques (PDC) but now when I contact them they say that my loan has not yet started all because the EMI I was paying regulary was incorrect due to some software error - now it looks like they have sent my information to CIBIL. So, when I found this news that any individual can access their own credit report - it was a very good news for me.
All you need to do is
- Send an e-mail to myreport@cibil.com
- The Email need to have a copy of the CIR Request Form duly filled by you.
- Also, after sending the mail do Mail self attested hard copies of your latest Identity Proof (PAN Card / Passport / Voters ID) and Address Proof (Bank Statement / Telephone Bill / Electricity Bill) documents and Fees (Demand Draft (DD) of Rs 142 in favour of Credit Information Bureau (India) Limited payable at Mumbai ) to P.O.BOX 17, Millennium Business Park, Navi Mumbai- 400710
- Once CIBIL receives the above documents and also the Fees, your request will be processed and copy of your CIR report will be dispatched to you.
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