The Credit Information Bureau India Limited (CIBIL) is one of the four well-known organizations authorized by the Reserve Bank of India (RBI) to collect credit data. Besides CIBIL, there are three other organizations with RBI authorization, Experian, Equifax and Highmark, who are not as popular. Thus, credit ratings in India are usually referred to directly as the CIBIL TransUnion or simply CIBIL score. Before going further let us understand what a CIBIL score rating is.
What is a CIBIL Score Rating?
CIBIL score rating is a 3-digit numeric value that reflects your financial record, and it ranges from 300 to 900. The nearer your score is to 900, the better your credit assessment. A CIBIL credit score requires some time to develop. It is estimated that 18 months to 3 years are a sufficient time to develop a good CIBIL score.
The credit score is a reflection of various variables, including the client's instalment history, late instalments, exceptional sums borrowed, etc. Before dismissing or supporting a credit application, moneylenders, banks, and monetary establishments generally take a look at the client's CIBIL score.
A decent CIBIL score mirrors a client's good financial conduct. Individuals with a decent CIBIL score are bound to be supported for credit cards with larger credit limits.
CIBIL Score Range
A CIBIL score goes from 300 - 900, 900 being the top score. Overall, individuals with a CIBIL score of at least 750 are considered trustworthy borrowers. Given below are some CIBIL score ranges.
NA/NH: In case you have no monetary record, your CIBIL score will be NA/NH. This suggests that the borrower is "not suitable" or has “no arrangement of encounters". If you have not used a credit card or have never paid a utility bill in your name, you will have no record as a customer. In such a case you must consider getting a credit card, as it will help you in building a record and a credit history.
300-625: A CIBIL score in this range is considered low CIBIL score. It suggests you have been late in covering credit card bills and EMIs of your existing loans. With a CIBIL score in this range, you may not be able to get a loan or a credit card since CIBIL considers you a defaulter.
625 – 750: A CIBIL score in this range is considered fair. It indicates irregularities in the repayment of your credit. The initial costs on credit cards could be higher on this score but with consistency in payment, you can soon enter a better, more acceptable range.
750 – 800: Assuming your CIBIL score is in this range, you are on your way to building a good credit history. You ought to keep showing great credit conduct and increase your score further. Moneylenders will consider your credit application seriously.
800 – 900: This is an excellent CIBIL score. It proposes that you have been consistent with credit repayments and have a great repayment history. Banks will offer you credit and credit cards at a lower rate of interest since they are assured of repayment.
Also Read: Tips to Maintain Your Business CIBIL Score Above 700
Why Does the CIBIL Score Matter?
The CIBIL score gives an initial evaluation for the bank or the lending institution. The higher the score, the better are your chances of getting your credit endorsed. The choice to loan is exclusively dependent upon the bank or the lending financial institution, and CIBIL does not in any way, choose if the credit/credit card ought to be authorized or not. It only provides the bank or the lending financial institution, with a fair perspective on the repayment ability of the borrower. Thus, the CIBIL score just features as an essential part of the credit application process.
When someone comes to a bank or a financial institution, for credit, the lending institution first checks the prospective borrower’s CIBIL score and CIBIL report. In case the CIBIL score is low, the bank may not consider the application for further processing. If the CIBIL score is high, the bank will evaluate the application and consider various aspects (in addition to the CIBIL score) before approving credit.
What Does a Credit Report or CIBIL Report Mean?
- A credit report or CIBIL report is the record of a borrower's repayment capacity.
- It evaluates the prospective borrower's monetary record from different sources, including banks, credit card associations, combination workplaces, and law-making bodies.
- A borrower’s rating is the result of a mathematical computation applied to credit information.
How to Check CIBIL Score Rating?
Method 2: From the official CIBIL website
One can check the CIBIL score by signing in to the CIBIL site and paying a (nominal) fee.
To check your CIBIL score from the official website, follow these steps:
- Visit the official website of CIBIL at www.cibil.com
- Click on the 'Get Your CIBIL Score' button on the homepage.
- You will be directed to a new page where you will have to provide your personal details like name, email ID, date of birth, gender, and PAN card number.
- Once you have filled in the details, click on the 'Accept and Continue' button.
- You will be directed to the payment page where you will have to pay the required fee to check your CIBIL score.
- After the payment is completed, you will receive a confirmation message on your registered email ID.
- You will then be directed to the CIBIL score page where you can view your score and credit report.
Note: CIBIL charges a fee for checking your credit score and report. You may also be required to provide additional information to verify your identity before you can access your credit report.
Also Read: How to Check, Calculate, and Improve CIBIL Score?
Factors that Influence CIBIL Score
- Irregular Payment History: Irregular instalment payments can lead to a bad score. A new CIBIL investigation (detailed by the Monetary Express) says that 30-day misconduct can lessen your score by 100.
- Credit Use Proportion: If you use more than 30% of credit than you are allowed, at any point of time, it will cut your score down. A higher credit usage shows that you have been overspending and thus may turn into a defaulter.
- Credit inquiries: Each time you apply for an advance or a credit card, the bank or the lending financial institution will check your credit report. This is known as a hard request. Hard requests followed by non-approval of credit lead to a lowering of CIBIL score.
How to Additionally Foster CIBIL Rating?
There are a couple of essential practices that can be followed to further develop one's CIBIL rating:
- Pay your credit instalments regularly.
- Pay by the due date and try to pay in full.
- Avoid multiple hard inquiries.
- Maintain credit use proportion. Do not use more than 30% of your credit.
- Utilize your old credit cards without opening new lines of credit.
- If you open new lines of credit, make sure you use all available lines of credit regularly.
Is it Safe to Check Your CIBIL Score Online?
Yes. It is absolutely safe to check your CIBIL score online. Not only does this give you a regular update regarding your credit history, but it also brings to light any disparities that might have crept into your records. Any disparities can be reported online and should be corrected as soon as possible.
DISCLAIMER:
While care is taken to update the information, products, and services included in or available on our website and related platforms/websites, there may be inadvertent errors or delays in updating the information. The material contained in this website and on associated web pages, is for reference and general information purposes, and the details mentioned in the respective product/service document shall prevail in case of any inconsistency. Users should seek professional advice before acting on the basis of the information contained herein. Please take an informed decision with respect to any product or service after going through the relevant product/service document and applicable terms and conditions. Neither Bajaj Housing Finance Limited nor any of its agents/associates/affiliates shall be liable for any act or omission of the Users relying on the information contained on this website and on associated web pages. In case any inconsistencies are observed, please click on contact information.
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home+loan Home Loan
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6 Ways to Reduce Your Home Loan Interest2024-03-20 | 4 min
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cibil Cibil
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Ways to Improve Your Credit Score with a Credit Card2024-02-02 | 4 min
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cibil Cibil
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What Factors Do Not Affect Credit Scores?2024-02-28 | 7 min
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cibil Cibil
[N][T][T][N][T]
How to Check Your CIBIL Score for Free and What to Do If There Are Errors in It2024-06-05 | 4 min
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home+loan Home Loan
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What Affects the Interest Rate on Your Home Loan2024-03-13 | 5 min
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loan+against+property Loan Against Property
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3 Different Loan Against Property Types You Should Know About2024-02-13 | 5 Min
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loan+against+property Loan Against Property
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Easy Ways to Pick the Right Loan Against Property Tenor2024-05-14 | 3 min
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cibil Cibil
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How to Check, Calculate, and Improve CIBIL Score?2024-01-11 | 2 min
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tax Tax
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How to Save Tax for Salary Above 30 Lakh?2023-08-07 | 6 min
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tax Tax
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How to Save Tax Between Rs 20 to Rs 25L Salary in India2023-07-19 | 6 min
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home+loan Home Loan
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10 Smart Steps for Effective Home Loan Management2024-02-16 | 5 min
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home+loan Home Loan
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Advantages for First-Time Home Buyers2023-07-14 | 4 min
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home+loan Home Loan
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home+loan Home Loan
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How to Determine Your Ideal Credit Score for a Home Loan?2024-03-28 | 4 min
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home+loan Home Loan
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Would it be Possible for Me to Apply for a Second Mortgage?2024-05-22 | 3 min
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cibil Cibil
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Easy Ways to Maintain a Good Business Credit Score2024-01-10 | 5 min
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cibil Cibil
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Impact of Late Payment on CIBIL Score?2024-03-08 | 6 min
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home+loan Home Loan
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Common Myths About Home Loans: All You Need to Know2024-04-08 | 5 min
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5 Benefits of Availing of a Home Loan at an Early Age2024-05-10 | 3 min
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7 Smart Ways to Boost Your CIBIL Score for a Home Loan2024-05-09 | 6 min
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cibil Cibil
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Pay Minimum Amount Due on Your Credit Cards Will Impact Your Credit Score2024-03-11 | 5 min
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cibil Cibil
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Here’s How a Short-term Loan Can Help You Improve Your CIBIL Score2024-03-25 | 5 min
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cibil Cibil
[N][T][T][N][T]
How Can I Raise My Credit Score From 360 to 800 Within a Year?2024-03-21 | 5 min
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home+loan Home Loan
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What is an NOC Letter and Why is it Important?2024-05-14 | 3 min
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tax Tax
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Income Tax Structure in New Regime: New Tax Exemption Limit 20232024-05-08 | 4 min
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loan+against+property Loan Against Property
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Top 5 Issues Regarding Loan Against Property Application Rejection that You Might Face2023-02-14 | 5 min
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tax Tax
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Know all About Top Up Loans and How to Avail of Tax Benefits2023-12-12 | 5 min
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home+loan Home Loan
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5 Tips for Lowering Home Loan Interest Rates in 20232024-03-19 | 5 min
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home+loan Home Loan
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How Can Your Credit Score Impact Your Home Loan Interest Rate?2024-02-13 | 6 min
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[N][T][T][N][T]
Everything You Need to Know About Home Loan Tax Benefits2024-04-23 | 6 min
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cibil Cibil
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Does a Name Change Affect Your Credit Score2024-01-07 | 4 min
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home+loan Home Loan
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Home Loan Balance Transfer: Benefits, Eligibility, and More2024-05-15 | 3 Min
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home+loan Home Loan
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Benefits of Submitting a Digital Home Loan Application in Current Times2023-12-20 | 4 min
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home+loan Home Loan
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Common Mistakes to Avoid When Applying for a Home Loan2023-12-04 | 2 min
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home+loan Home Loan
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Differences Between Fixed and Floating Interest Rates2024-05-15 | 2 min
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cibil Cibil
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Everything You Should Know About Your CIBIL Score2024-02-09 | 7 min
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tax Tax
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Top Benefits of Using an Online Income Tax Calculator2023-12-28 | 5 min
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cibil Cibil
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What is Credit Score and Its Impact on Loan Availability2023-03-27 |
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cibil Cibil
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What Does Your Credit Score Tell About You?2024-06-11 | 5 min
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cibil Cibil
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Know How Mortgage Loan Affect Your CIBIL Score2024-02-05 | 5 Min
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home+loan Home Loan
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ITR Filing for Home Loan – Know the Right Process to File Your Income Tax Returns2024-02-16 | 5 min
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cibil Cibil
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Why is a CIBIL Score Measured Between 300 and 900?2024-05-07 | 4 min
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cibil Cibil
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What are the Types CIBIL Errors & How to Correct Them?2023-11-22 | 6 min
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cibil Cibil
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What is CIBIL? Understand How It Works and Its Importance2024-01-31 | 6 min
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tax Tax
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What Does It Mean to Have a CIBIL Score of -12023-06-16 | 4 min
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home+loan Home Loan
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Home Loan Terminologies2024-06-01 | 3 min
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cibil Cibil
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What Are Tradelines and How to Find Them On Your Credit Report?2024-05-28 | 4 min
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home+loan Home Loan
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Ways to Check Bajaj Housing Loan Account Numbers2024-04-05 | 3 min
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home+loan Home Loan
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What Do You Need to Know About Home Loan Foreclosure?2023-03-23 | 5 min
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cibil Cibil
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Introduction to Credit Information Bureau India Limited (CIBIL)2024-04-15 | 6 min
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home+loan Home Loan
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Section 80EE: Claim Deductions on the Home Loan Interest Paid2023-02-17 | 6 min
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home+loan Home Loan
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What is the Process to Get Your Home Loan Approved Fast with Bajaj Housing Finance?2024-02-15 | 6 min
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home+loan Home Loan
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What are the Different Types of Loans Available in India?2024-01-02 | 5 Min
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cibil Cibil
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What Does a Zero or Negative Credit Score Mean?2023-02-24 | 4 min
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cibil Cibil
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How Many Credit Inquiries are Too Much in a Year2023-09-21 | 2 min
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cibil Cibil
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How to Check CIBIL Score Online?2023-03-14 | 5 min
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home+loan Home Loan
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Top 5 Home Loan Benefits for First-time Woman Buyers2024-05-14 | 5 min
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home+loan Home Loan
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Importance of an NOC Letter after Closing Your Home Loan2023-12-14 | 6 min
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home+loan Home Loan
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Benefits of a Joint Home Loan with your Spouse2023-08-04 | 4 min
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home+loan Home Loan
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How to Pick the Best Home Loan Tenor that Suits Your Budget2023-06-29 | 5 min
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home+loan Home Loan
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How Digital Platforms Are Revolutionising the Face of Housing Finance2023-12-21 | 7 min
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home+loan Home Loan
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What is the Ideal Down Payment for a Home Loan?2024-05-16 | 5 min
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tax Tax
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Comparison Between New Tax Regime vs Old Tax Regime2024-04-10 | 5 min
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home+loan Home Loan
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Know All About the Home Loan Foreclosure Procedure2023-12-20 | 5 min
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cibil Cibil
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10 Common Myths About CIBIL Score2024-03-27 | 4 min
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cibil Cibil
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Check CIBIL Score with PAN Card for Free, in 3 Steps2024-02-27 | 5 min
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home+loan Home Loan
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Advantages of Including a Co-Applicant on Your Home Loan2024-01-21 | 7 min
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home+loan Home Loan
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What is the Difference Between Top-up Loan and Home Improvement Loan2023-01-11 | 5 min
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home+loan Home Loan
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Are Registration Charges Compulsory When You Opt for a Home Loan?2024-04-15 | 5 min
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home+loan Home Loan
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Can I Take a Home Loan and a Personal Loan Together?2024-01-17 | 4 min
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home+loan Home Loan
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Should You Take a Home Loan Even If You Have Enough Money to Buy a House?2023-01-30 | 3 min
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home+loan Home Loan
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7 Common Problems You May Face While Applying For Home Loan2024-01-18 | 7 min
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home+loan Home Loan
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What Happens If Home Loan EMI Bounces? Know the Consequences2023-07-11 | 5 min
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home+loan Home Loan
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Hybrid Flexi Loan vs. Personal Loan: Which One is Better?