25th March 2016

FAQ

Call Credit Consultant Help Line +918880022122 for more information

Only credit bureaus are authorized to fill orders for the annual credit report you are entitled to other websites that claim to offer “credit reports,” “credit scores” or “credit monitoring” are not part of the legally mandated annual CIBIL credit report program.

Q: How what’s the name of the credit bureau names?

A: The credit bureau names are as follows:

  • CIBIL-Trans Union
  • Equifax
  • Experian

Q: What is included in my CIBIL credit report?

A: CIBIL Credit report includes information on where you live, how you pay your EMI’s, how many- EMIs bounced, and whether you’ve been sued or have filed for Bankruptcy.

Q: Why CIBIL Credit Report is so important?

A: Nationwide credit reporting companies sell the information in your report to creditors, and other businesses that use it to evaluate your applications for HOME LOAN – CAR LOAN – CREDIT CARD – PERSONAL LOAN.

Q: What information do I need to provide to get my CIBIL report?

A: You need to provide your name, address, PAN Number, and date of birth. If you have moved in the last two years, you may have to provide your previous Address. To maintain the security of your file, each nationwide credit reporting company may ask you for some information that only you would know, like the Amount of your monthly mortgage payment. Each company may ask you for different information because the information each has in your file may come from Different sources.

Q: Why do I want a copy of my CIBIL credit report?

A: Your CIBIL credit report has information that affects whether you can get a loan and how much you will have to pay to borrow money.

  • You want a copy of your CIBIL credit Report to Make sure the information is accurate, complete, and up-to-date before you apply for a loan for a major purchase like a home loan or car loan, Credit card do Not apply for loan until you are sure if report is clean and loan does not get reject if so that will affect your score & Reflect as a Credit hungry behavior.
  • Guard against identity theft. That’s when someone uses your personal information like your name, your PAN Number, or your credit card number to commit Fraud. Identity thieves may use your information to open a new credit card account in your name. Then, when they don’t pay the bills, the delinquent account Is reported on your credit report. Inaccurate information like that could affect your ability to get credit, or even a job.

Q: How long does it take to get my CIBIL report after I order it?

A: If you request your report online you should be able to access it immediately, If online report failed to process authentication CIBIL report will be processed and Dispatched to you within 7 days.. But we advice you to take a help from us

Q: Should I order a report from each of the three nationwide credit reporting companies?

A: It’s up to you however its not advisable. Because Indian Financial Institutes relay on CIBIL Reports

Q: What if I find errors either inaccuracies or incomplete information in my CIBIL credit report? How to repair CIBIL Report & Improve my CIBIL Score ?

A: Credit reporting company and the information provider (that is, the person, company, or organization that provides information about you to a consumer Reporting company) are responsible for correcting inaccurate or incomplete information in your CIBIL report. Credit reporting companies must investigate the items in question — usually within 30 days — unless they consider your dispute frivolous. They also must Forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider receives notice of a Dispute from the credit reporting company, it must investigate, review the relevant information, and report the results back to the credit reporting company. If the Information provider finds the disputed information is inaccurate.

When the investigation is complete, the credit reporting company must give you the written results if an item is changed or deleted, the credit reporting company Cannot put the disputed information back in your file unless the information provider verifies that it is accurate and complete. The credit reporting company also Must send you written notice that includes the name, address, and phone number of the information provider.

Q: How long can a credit reporting company report negative information?

A: A credit reporting company can report most accurate negative information for seven years and bankruptcy information for 10 years.

Q: Can anyone else get a copy of my CIBIL credit report?

A: Who can access your CIBIL credit report Creditors, employers*, and other businesses that use the information in your CIBIL report to evaluate your applications for credit, Employment*, or those that have a legal right to access your CIBIL report.

Q: What is CIBIL Report?

A: A credit report contains information about your credit and some Loan repayment history and the status of your credit Card & Personal loan accounts. This information includes How often you make your payments on time, How much credit you have used, How much credit you have available, How much credit you are using, and whether a debt or bill collector is collecting on money you owe.

Q: How CIBIL Dispute gets cleared

A: CIBIL cannot amend directly any information on Credit Report. Only once the change is authorized and provided by the concerned Bank or financial institute, only then your CIBIL Report is updated

Q:How much time does it take to resolve a CIBIL dispute?

A: CIBIL Dispute resolution Turnaround time approximately 30 days to resolve CIBIL Issues, subject to the time taken by the Financial Institution.

Q: How to come out of CIBIL Problem?

A: All you have to do is to clear all debt & maintain good CIBIL Score you can also consult our CIBIL Report Experts on 08880022122

Q: Can an Employer Check My Credit Score?

A: Yes. Most of the banking & NBFC firms have implemented to check list of new recruit the following parameters are up to the mark CIBIL Score, CIBIL Rating, positive CIBIL Status, CIBIL list of Creditors, CIBIL defaulter List of accounts.

Q: Why should we keep an eye on CIBIL Report?

A: Always Check CIBIL Score & CIBIL Report details otherwise you will end up with inaccuracies Check Your CIBIL Report quarterly.

Q: Can I Get Free CIBIL Report

A: “No” CIBIL report is not free you will have to make payment for the report every time

Q: How do I Check CIBIL score online

A: There is no such website for instant Online CIBIL score check or CIBIL Report online status you will have to apply for CIBIL report

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A: All you need is Expert Advice and help please talk to us +918880022122