Before applying for loan it is recommended to every one to check there credit score. As it plays a vital role in the process of loan approval at almost all the financial institutions these days. It not only discloses your credit history to the lender but also determine terms of loan. CIBIL TransUnion score is a score which is been assigned by Credit Information Bureau (India) Limited based on your credit records collated from different credit companies.
Higher the credit score, better chances to get loan on favorable terms. Most of the financial institutions and banks prefer credit score 750+ which ranges from 300 to 900. So check your credit report and analyze your chances to get loan or get your report rectified if find any incorrect data.
So lets have a look how you can apply for your credit repost from CIBIL.
How to get your CIBIL TransUnion Score
Apply online for your CIBIL TransUnion Score by following step wise step instruction below:-
First click on the link to open the online request form for CIBIL score ONLINE REQUEST FORM
Make sure all the details you enter in the request form are correct. Incorrect data in the request form can delay your report.
Complete the Online Request Form
- SELECT THE RADIO BUTTON FOR APPLYING FOR YOUR CIBIL TransUnion SCORE
- ENTER ALL YOUR PERSONAL DETAILS AS PER YOUR OFFICIAL DOCUMENTS as illustrated in the image below.
The fields marked with red star are mandatory.
First Name & Last Name :- Enter your first and last name as per your official records.
DOB & Gender :- Select Date Of Birth from the calendar pop up and select gender from the drop down. Age of the applying candidate is needs to be 16 years or more.
Address, City/District, State, Pin :- Enter your complete address with city/district, State and pin code.
Residence Code :- Select your residence code from the drop down of Owned or Rented.
Category :- Select your category from the drop down of Permanent Address, Residence Address, Office Address or Not Categorized.
Email ID :- Enter your valid email id to get further intimations via email.
IDENTITY PROOF & ADDRESS PROOF
You can tick any one identity proof from the list i.e PAN Card, Passport, Voters ID, Driver’s License Or Ration Card and enter the identification number of the card in the following text box. Entering PAN Number is mandatory. Select one or more valid identity proofs that are available with you and not expired as you may have to send the copy of those identity proofs (self attested) to the CIBIL office.
You can tick any one address proof from the list i.e Bank Statement, Electricity Bill, Telephone Bill, Passport Or Credit card statement. Tick one that is available with you as you may have to send the copy of that identity proof (self attested) to the CIBIL office.
You only need to dispatch self attested documents to The CIBIL office if your self authorization process fails else you don’t need to dispatch any of your documents. self authorization process is the last step for applying for CIBIL score followed by payment process.
LOAN ACCOUNT NUMBER / CREDIT CARD NUMBER
Although this is optional, but here in this section you can provide your loan account number or credit card numbers for easy tracing of your record in the CIBIL database. So it would always be better to provide this data.
Select the check box of terms and conditions and press the CLICK HERE FOR ONLINE PAYMENT button
To get the Credit report you need to make a payment of Rs 450 via online portal where you get four different options for making online payment i.e
Net Banking : – You can select your bank here for example I have selected ICICI bank to demonstrate the process and click Continue To Payment.
Credit Card : – Here you select the option Visa Master Diner Card and press Continue To Payment.
Debit Card :- Here you select the option Visa Master Diner Card and press Continue To Payment.
Cash Card :- Here you can select your Cash card from the options i.e Beam Cash Card, I-Cash Card and Oxicash and press Continue To payment.
With your selection, the online interface will take you to the online payment gateway of the bank selected by you. Where you can login using your credentials and make online payment as you usually make for fund transfer or online shopping.
Once you will be done with your payment process you will get a CIBIL Registration ID and Transaction ID. You will also get a mail on your email ID with all the details on your request and payment.
After successful payment notification, you will be required to ask 5 questions. These 5 questions will be related to your loans and credit cards to authenticate your application.
If Your Authentication Is Successful :- In this case you will get your credit Report in your email account within 4 to 5 working days.
If Your Authentication Is Unsuccessful :- You need to dispatch the print of request form along with self attested identity and address proof selected at the time of filling application form for cibil report on the address given below.
Consumer Relations – CIBIL Score (or CIR) Request,
Credit Information Bureau (India) Limited, Hoechst House, 6th Floor, 193,
Backday Reclamation, Nariman Point, Mumbai 400 021.
Documents That Need To Be Dispatched On Unsuccessful Authentication:-
- Online Payment Confirmation
- Identity Proof – PAN / Passport / Voter’s id (Identity proof should be valid and not expired)
- Address Proof – Bank Statement / Electricity Bill / Telephone Bill / Passport / Credit Card Statement (Address proof should be not more than 3 months from the date of application and should be in your name)
Offline Application Of CIBIL Score Request
If You want to apply for CIBIL report via offline mode then you can download the request form and fill the form and dispatch the same with a Demand Draft, Identity and Address proofs at the address given above.
Demand Draft – CIBIL TransUnion Score (including CIR) OR only CIR:
Purchase a Demand Draft (DD) of Rs. 450/- for CIBIL TransUnion Score + CIR OR Rs 142/- for CIBIL CIR in favour of “Credit Information Bureau (India) Limited” payable at Mumbai.
ALSO READ :- APPLYING FOR A LOAN? CHECK YOUR CREDIT REPORT FIRST
ALSO READ :- GET LOANS AT CHEAPER RATES BASED ON YOUR CREDIT SCORE