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myCIBIL is a platform that provides you access to all CIBIL services such as purchasing and/or renewing your Subscription, the ability to dispute inaccuracies in your credit report and getting
pre-approved loan and credit card offers. It also provides you with a dashboard that has a snapshot of your credit profile.
Consumer Dashboard Credit History
MY ACCOUNT HISTORY SUGGESTION LOGOUT
DASHBOARD VIEW REPORT RAISE A DISPUTE DISPUTE STATUS UNDERSTAND YOUR REPORT
Welcome, Member
History
Apply for a Loan APPLY FOR A LOAN This section captures all your activities
HISTORY SECTION
This section has a range of pre-approved since the day you first login to myCIBIL. You
Date & Time of the Event Section Changes / Events
loan and credit card offers, based on your
Click Compare Apply
30.01.2014 - 07:10 Reports 1st Report Refreshed Email Download can keep a track of events related to your
credit eligibility. You can compare offers RAT
30.01.2014 - 08:50 Reports Report Downloaded account and e-mail or download your past
E
IT
made by different lenders and apply for a credit reports. Your credit report is digitally
Personal Home Business Credit Loan Against Auto Gold
DASHBOARD VIEW REPORT RAISE A DISPUTE DISPUTE STATUS UNDERSTAND YOUR REPORT
View Report
This is your 1st Report of Quaterly subscription.
Current Balance 0 EMI Amount - as they would appear in your credit report.
Cash Limit - Payment Frequency -
Amount Overdue - Actual Payment Amount -
Open Account Closed Account Secured Unsecured Personal Loan Credit Card Auto Loan
1 Late payments or defaults in the recent past: Your payment history has a significant impact on your Score. Hence, if you have
missed payments on any of your existing loans, over the last couple of years, your Score is likely to be negatively affected because it
indicates that you are having trouble servicing your existing obligations.
2 High utilization of Credit Limits: While the balances on your loans will only reduce over time as payments are made, you must be
diligent about making timely payments on your credit cards. While increased spending on your credit cards may not necessarily negatively
affect your Score, an increase in the current balance on the card over time is an indication of an increased repayment burden and may
negatively impact your Score. Its always prudent to not use too much credit.
3 Higher percentage of Credit Cards or Personal Loans (commonly known as Unsecured Loans) on your CIR: A higher
concentration of home loans or auto loans (commonly known as Secured Loans) is likely to be more favourable for your Score than a large
number of unsecured loans. Although unsecured loans offer easy access to finance, its also by far the most expensive form of credit. More
the number of unsecured loans with high utilization, larger are the payments resulting from its high rate of interest.
4 Seeking Excessive Credit: If you have made many applications for loans in a short period of time or have recently been sanctioned
new credit facilities, a credit institution is likely to view your application with caution. This behavior of seeking excessive credit indicates
that your debt burden is likely to, or has increased and you are less capable of honoring any additional debt, leading to a marginal impact
on your Credit Score.
It is important to note that while these Scores are not viewed negatively by a credit institution, some credit institutions credit policy
prevents them from providing loans to an applicant with Scores of NA or NH (applicants with no credit track record). Hence, you may
have better chances applying for a loan elsewhere.
Regd. Office: TransUnion CIBIL Limited (Formerly: Credit Information Bureau (India) Limited), One Indiabulls Centre,
Tower 2A, 19th Floor, Senapati Bapat Marg, Lower Parel, Mumbai - 400 013. Tel.: 61404300 | Email: info@cibil.com
UNDER DISPUTE
Payment Start Date 01-06-2009 PAYMENT END DATE 01-05-2012
application getting approved. Personal Contact Employment Account Enquiry Consumer
held, when each account was opened, date
Information Information Information Information Information Dispute Remarks
DAYS PAST DUE (No. of Days) or ASSET CLASSIFICATION (STD, SMA, SUB, DBT, LSS)
of the last payment, loan amount, current
MONTH JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC
NAME DATE OF BIRTH GENDER YEAR
Personal Information Gopinath LLMR 30-08-1978 Male
balance, amount overdue (if any) and most
2014 000 000 000 000 000 000 000 000 000 000 000 000
importantly, a month on month record of up
This section has your Name, Date of Birth and IDENTIFICATION TYPE NUMBER ISSUE DATE EXPIRATION DATE 2013 000 000 000 000 000 000 000 000 000 000 000 000
Income Tax ID No. (PAN)
(e)
AGJPG3337R - - to 36 months of your payments.
2012 000 000 000 000 000 000 000 000 000 000 000 000
Gender as reported to CIBIL by the members. Passport No. F8783962 - -
Drivers License No. 10179/96 - -
Identification lists your identification details COLLATERAL
as reported by the members. Your Income Tax VALUE Of Collateral Type Of Collateral
ID (PAN), Passport, Drivers Licence and Voter ACCOUNT INFORMATION UNDER DISPUTE A red band on the left of a report section
ID, that have been reported by the lenders will DISPUTE DATE: 31-10-2009 indicates that the section is under dispute
Personal Contact Employment Account Enquiry Consumer CIBIL REMARKS: CIBIL remarks go here
appear in this section. Information Information Information Information Information Dispute Remarks and will be removed when the dispute is
ADDRESS1 CATEGORY RESIDENCE CODE DATE REPORTED closed. Upon closure, the disputed informa-
Old No. L32, New No. L8 Not Categorized - 31-12-2008
Data received through an Enquiry: Ground Floor
tion may or may not be changed as per
24th Street 'L' Block
Personal Contact Employment Account Enquiry Consumer confirmation received from the lender.
The symbol(e) next to any of the details in Anna Nagar East Information Information Information Information Information Dispute Remarks
Chennai, Tamilnadu-600102
your report indicates that the value is provided MEMBER NAME DATE OF ENQUIRY ENQUIRY PURPOSE ENQUIRY AMOUNT
ADDRESS2 CATEGORY RESIDENCE CODE DATE REPORTED
by lender when you applied for a credit facility. Old No. L32, New No. L8 Not Categorized - 31-12-2008 Vaish Coop 25-10-2011 Personal Loan 50,000
Ground Floor
24th Street 'L' Block IOB 23-10-2010 Personal Loan 1,00,000
Enquiry Information:
Anna Nagar East
Contact Information: Chennai, Tamilnadu-600102 HDFC Bank 09-10-2010 Personal Loan 5,00,000 This section provides you with details
TELEPHONE TYPE TELEPHONE NO EXTENSION FICCL 13-09-2010 Personal Loan 40,000 regarding the enquiry made by the lender
Your addresses, telephone, mobile numbers and Not Classified 080 41200103 -
Office Phone 080 41085488 - Barclays Finance 08-09-2010 Personal Loan 10,000 for your credit application such as name
email addresses as reported by lenders appear Not Classified 08041085488 -
Dena Bank 10-08-2010 Auto Loan 15,00,000 of the lender, date of application, the type
here.The address category explains whether the Mobile Phone 919845884521 -
Axis Bank 18-08-2007 Credit Card 1,00,00,000 of loan and its size.
address is a residential address, official address, EMAIL CONTACT
Email Address1 email_1@gmail.com
permanent address or temporary address as Email Address2 email_2@gmail.com
reported by the lender. Up to 4 addresses and
email addresses are provided.
Personal Contact Employment Account Enquiry Consumer Consumer Dispute Remarks:
Information Information Information Information Information Dispute Remarks
Personal Contact Employment Account Enquiry Consumer Consumer Dispute Remarks are additional
Employment Information: Information Information Information Information Information Dispute Remarks
comments that you can add to your Credit
This section contains information on your ACCOUNT TYPE DATE REPORTED OCCUPATION Member Name & Account No. Remark Remarks Removal Date Report. These remarks will be available on
Credit Card 20-05-2015 Salaried
occupation and income (At the time of Vaish Coop Your dispute will be initiated on submission 18-05-2015
your report for a year and will be displayed
INCOME FREQUENCY INCOME INDICATOR HDFC Bank Your dispute will be initiated on submission 18-05-2015
opening credit facility) as reported by the - - -
whenever your report is accessed by credit
Barclays Finance Your dispute will be initiated on submission 18-05-2015
lender for a particular credit account. institution/s or by you.