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I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :29/11/2021

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

CIBIL TERMS AND
CONDITIONS

To,
TransUnion CIBIL Limited
[Formerly known as Credit Information Bureau (India) Limited]
One Indiabulls building ,Unit No 1901 – 1905,
19th Floor, Tower 2A-2B, Jupiter Mill compound,
Senapati Bapat Marg, Lower Parel, Mumbai 400 013

Sub: Grant of Consent

Dear Sirs,

In connection with submission of the application for my credit information offered by CIBIL (“Consumer Credit Information”) through Paisabazaar (referred to as the “Company”) and delivery of the Consumer Credit Information to the Company, I hereby acknowledge and agree to the following:

A. The Company is my lawfully appointed agent and he / it has agreed to be my agent for the purposes, including, without limitation, to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, and the Company has granted its consent for being appointed for the aforesaid purpose.

B. I grant my unconditional consent to the Company to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, as the case may be, and the Company has granted its consent for being appointed for the aforesaid purpose. I hereby represent and acknowledge that: the Terms of Understanding in relation to the use of the Consumer Credit Information has been agreed between me and the Company.

C. I hereby expressly grant unconditional consent to, and direct, TUCL to deliver and / or transfer my Consumer Credit Information to the Company on my behalf.

D. I shall not hold TUCL responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of my Consumer Credit Information to the Company ; (b) any use, modification or disclosure by the Company of the contents, in whole or in part, of my Consumer Credit Information , whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of my Consumer Credit Information to the Company ; (d) for any use made by the Company which is contrary to the Agreement entered into between the Company and TUCL

E. I acknowledge and accept that: (a) TUCL has not made any promises or representations to me in order to induce me to provide my Consumer Credit Information or seek any consent or authorization in this regard; and (b) the implementation of the Agreement between TUCL and the Company is solely the responsibility of the Company.

F. I agree that I may be required to record my consent / provide instructions electronically and in all such cases I understand that by clicking on the "I Accept" button below, I am providing "written instructions" to Paisabazaar authorizing Paisabazaar to obtain my Consumer Credit Information from my personal credit profile from TransUnion CIBIL LIMITED, [formerly known as Credit Information Bureau (India) Limited]]. I further authorize Paisabazaar to obtain such information solely to confirm my identity and display my Consumer Credit Information to me. Further in all such cases “By checking this box and clicking on the ‘Authorize button, I agree to the terms and conditions, acknowledge receipt of TUCL privacy policy and agree to its terms, and confirm my authorization for Paisabazaar to obtain my Consumer Credit Information.

G. I understand that in order to deliver the product to me, I hereby authorize Paisabazaar, to obtain my Consumer Credit Information from TUCL.

H. By submitting this registration form, I understand that I am providing an express adhoc one-time written instructions for Paisabazaar to request and receive information about me from third parties, including but not limited to a copy of my consumer credit report and score from consumer reporting agencies, at any time for so long as I have an active Paisabazaar account. I further authorize Paisabazaar to retain a copy of my information for use in accordance with the terms of use of this service, Paisabazaar’s Terms of Use and Privacy Policy.

I. I UNDERSTAND THAT THE PRODUCT IS PROVIDED ON AN “AS-IS”, “AS AVAILABLE” BASIS AND TUCL EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

J. I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge TUCL , its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter “Releasee”), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) (“Losses”), whatsoever, in law or equity, whether known or unknown, which I ever had, now have, or in the future may have against the Releasee with respect to the submission of my Consumer Credit Information and / or my decision to provide TUCL L with the authority to deliver my Consumer Credit Information to the Company . I agree to defend, indemnify, and hold harmless the Releasee from and against any and all Losses resulting from claims made against TUCL L by third parties arising from and in connection with this letter.

K. I agree that the terms of this confirmation letter shall be governed by the laws of India and shall be subject to the exclusive jurisdiction of the courts located in Mumbai in regard to any dispute arising hereof. TUCL is entitled to assign its rights hereunder to any third person without taking my prior written consent.

Yours faithfully,
Name :

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :29/11/2021

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

EQUIFAX TERMS AND
CONDITIONS

I Mr./Ms. -------------------- ---------------------residing at ------------------------ ---------------------------------------- do hereby authorise Paisabazaar Team ,to do all acts on my behalf as may be necessary including to execute/sign application(s), make payment of applicable fees* and generally to all other acts as may be necessary to receive, on my behalf and at my request, my Credit Information Report (CIR) from Equifax Credit Information Services Private Limited("Equifax") at the following address/email id:

I hereby confirm that all the powers hereby conferred may be exercised by officer(s) or manager(s) / agent(s) / employees of the Paisabazaar who is duly authorized by the Paisabazaar.

I hereby confirm, agree, undertake and accept that I shall at all times be solely responsible for all the above actions and omissions of the Paisabazaar shall be binding on me as though such actions had been carried out by me directly. I further confirm that my CIR shall be used only for the purpose as mentioned in the attached standard terms and conditions and I shall be solely liable for, and indemnify and hold harmless Equifax for and against, any and all third party claims or damages or proceedings of any kind, arising from or in connection with (a) any misrepresentations, incorrect information or omission of any critical information in my application, or (b) furnishing my CIR based on this authorization letter, and shall not at any time hold Equifax or its affiliates and their respective officers, directors, employees or representatives liable in this respect.

I hereby also confirm that I have only appointed Paisabazaar to be my authorized agent/representative for collection of my CIR.

I undertake to keep Equifax intimated and informed at all times, of any renewals or termination of the authorization to Paisabazaar or any amendments, modifications or changes in the terms governing the obligations or my relationship with Paisabazaar.

I shall at all times co-operate with Equifax and execute and deliver to Equifax such instruments and documents and take such other actions as may be required by Equifax from time to time in connection with this authority letter.

By signing on this authorization letter, I hereby acknowledge and accept the Standard Terms and Conditions mentioned above.

Date : 29/11/2021

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :29/11/2021

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

EXPERIAN TERMS AND
CONDITIONS

YOU HEREBY APPOINT PAISABAZAAR AS YOUR AUTHORISED REPRESENTATIVE TO RECEIVE YOUR CREDIT INFORMATION FROM EXPERIAN.

YOU HEREBY IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY EXPERIAN TO YOU AND PAISABAZAAR AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN. YOU HEREBY ALSO AGREE AND ACKNOWLEDGE THAT FOR PAISABAZAAR TO SERVICE YOU AS A CUSTOMER, THE CREDIT INFORMATION SHALL BE SHARED BY EXPERIAN WITH YOU AND PAISABAZAAR ON A MONTHLY BASIS. YOU FURTHER ALSO AGREE AND CONSENT TO RECEIVE SUCH CREDIT INFORMATION DIRECTLY FROM EXPERIAN AND ALSO THROUGH YOUR PAISABAZAAR ACCOUNT AS PER YOUR INDEPENDENT REGISTRATION WITH PAISABAZAAR.

Please read the Terms and Conditions of this document carefully before accepting. By clicking on the "I ACCEPT" button below, you are expressly agreeing to access the Experian Credit Information Report and Credit Score (as defined in the Important Information Section below) (together referred as "Credit Information") and share a copy of the Credit Information with Paisabazaar in the "as is" format. Please click on the link below to read and understand the Important Information section below.

** This document is an electronic record in terms of the Information Technology Act, 2000 and Rules made there under, and the amended provisions pertaining to electronic records.

Information Collection, Use, Confidentiality, No-Disclosure and Data Purging

PAISABAZAAR/ We/ Us can only access your Credit Information as your authorized representative and we shall use the Credit Information for limited end use purpose consisting of and in relation to the services proposed to be availed by you from us on the Website. We shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein.

We shall protect and keep confidential the Credit information both online and offline and use best in class security measures in line with applicable laws. The Credit Information shared by You, or received on your behalf shall be destroyed, purged, erased promptly upon the earlier of: (i) your written request to terminate this relationship with Paisabazaar (ii) the completion of provision of the Services by us to you.

Governing Law and Jurisdiction The relationship between you and the Parties shall be governed by laws of India and all claims or disputes arising there from shall be subject to the exclusive jurisdiction of the courts of [Mumbai].

Definitions: Capitalised terms used herein but not defined above shall have the following meanings:
"Credit Information Report" means the credit information / scores / aggregates / variables or reports which shall be generated by Experian;
"Credit Score" means the score which shall be mentioned on the Credit Information Report which shall be computed by Experian.
"CICRA" shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.
PLEASE READ THE ABOVE MENTIONED IMPORTANT INFORMATION AND CLICK ON "ACCEPT" FOLLOWED BY THE LINK BELOW TO COMPLETE THE AUTHORISATION PROCESS FOR SHARING OF YOUR CREDIT INFORMATION BY EXPERIAN WITH YOU AND PAISABAZAAR, IN ITS CAPACITY AS YOUR AUTHORISED REPRESENTATIVE.
BY CLICKING "ACCEPT" YOU AGREE AND ACCEPT THE DISCLAIMERS AND TERMS AND CONDITIONS SET OUT HEREIN. THE TERMS AND CONDITIONS MENTIONED HEREIN MAY CHANGE IN ORDER TO COMPLY WITH GOVERNING LAWS OF THE COUNTRY AND THE CONSUMER SHALL BE BOUND TO ANY CHANGES TO THIS AGREEMENT

Name :
Date : 29/11/2021

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :29/11/2021

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

CRIF HIGH MARK TERMS
AND CONDITIONS

This End User Agreement (the "Agreement") is made between you (the "User" or "You") and Paisabazaar Marketing and Consulting Pvt Ltd ("PaisaBazaar"), a private limited company having its registered office at Plot No 119, Sector-44, Gurgaon-122001, Haryana ("PAISABAZAAR", "Us" or "We", which term shall include its successors and permitted assigns). The User and PAISABAZAAR shall be collectively referred to as the "Parties" and individually as a "Party".

YOU HEREBY APPOINT PAISABAZAAR AS YOUR AUTHORISED REPRESENTATIVE TO RECEIVE YOUR CREDIT INFORMATION FROM CRIF HIGH MARK. BY EXECUTING THIS AGREEMENT / CONSENT FORM, YOU ARE EXPRESSLY AGREEING TO ACCESS THE CRIF HIGH MARK CREDIT INFORMATION REPORT AND CREDIT SCORE, AGGREGATE SCORES, INFERENCES, REFERENCES AND DETAILS (AS DEFINED BELOW)(TOGETHER REFERRED AS "CREDIT INFORMATION"). YOU HEREBY ALSO IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY CRIF HIGH MARK TO YOU AND PAISABAZAAR BY USING CRIF HIGH MARK TOOLS, ALGORITHMS AND DEVICES AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN. YOU ALSO ACKNOWLEDGE THAT YOU SHALL NOT RAISE ANY CLAIM OR HOLD LIABLE CRIF HIGH MARK CREDIT INFORMATION SERVICES PRIVATE LIMITED IN RELATION TO YOUR CREDIT INFORMATION REPORT AND CREDIT SCORE PROVIDED OR TO BE PROVIDED BY CRIF HIGH MARK TO PAISABAZAAR.

Terms and Conditions: Information Collection, Use, Confidentiality, No-Disclosure and Data Purging PAISABAZAAR shall access your Credit Information as your authorized representative and PAISABAZAAR shall use the Credit Information for limited end use purpose consisting of and in relation to the services proposed to be availed by you from PAISABAZAAR. PAISABAZAAR shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein.

The Parties agree to protect and keep confidential the Credit Information both online and offline. The Credit Information shared by you, or received on by us on your behalf shall be destroyed, purged, erased promptly upon request from the consumer or the consumer withdrawing the consent to retain such credit information / reports by deleting/deactivating the consumers account with Paisabazaar.

Governing Law and Jurisdiction Definitions: Capitalised terms used herein but not defined above shall have the following meanings:
" Business Day" means a day (other than a public holiday) on which banks are open for general business in Gurgaon and Mumbai.
" Credit Information Report" means the credit information / scores/ aggregates / variables / inferences or reports which shall be generated by CRIF High Mark;
" Credit Score" means the score which shall be mentioned on the Credit Information Report which shall be computed by CRIF High Mark.
" CICRA" shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.
IN CASE THERE IS ANY DISCREPANCY OR INABILITY IN COMPLETION OF ONLINE AUTHENTICATION, PLEASE SUBMIT YOUR SELF ATTESTED KYC DOCUMENTATION IN SCANNED COPIES FOR SHARING OF YOUR CREDIT INFORMATION BY CRIF HIGH MARK WITH YOU AND PAISABAZAAR (YOUR AUTHORISED REPRESENTATIVE).
ONLINE SUBMISSION - DOES NOT REQUIRE SIGNATURE AND EXECUTION"

Name :
Date :29/11/2021

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हिंदी में पढ़े
Updated: 27-07-2021 11:48:53 AM

TransUnion CIBIL is the leading Credit Information Company in India that collects and maintains data related to the credit history of individuals and companies. The company uses this data sourced from lenders and credit card issuers to generate the credit report, credit score and rank for individuals and organisations respectively. Let us find out everything about CIBIL Report in detail.

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There are 2 types of reports generated by CIBIL for consumers. One is for individuals and is known as the CIBIL Report and the other one for companies, known as the Company Credit Report (CCR).

Credit ReportCompany Credit Report 
  • This contains records of the credit history/credit behaviour of individuals with respect to all forms of credit and lending institutions
  • It helps lenders gauge a person’s creditworthiness as it includes a person’s credit repayment history with respect to all prior loans and credit cards
  • This report also features the CIBIL Score, which is a 3-digit numeric summary of your credit history and ranges between 300 and 900. The higher the CIBIL Score (i.e closer to 900), the better are the chances of approval of your new loan or credit card
  • A Company Credit Report (CIBIL CCR) is a record of a company’s credit history. It is based on the data submitted to CIBIL by lending institutions across the country
  •  It indicates the past payment behaviour of a company and is often used by lenders while evaluating loan applications to gauge the risk of lending to the company
  • It is used to determine the CIBIL Rank, which is the summary of your CCR and ranges between 1 to 10, where CIBIL Rank 1 is the best (least risky for lenders) and 10 is the worst

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Login to CIBIL Report

Both individuals and companies must log in to the CIBIL portal to access their CIBIL Reports and CIBIL Scores/CIBIL Ranks. To log in to the CIBIL portal, registration must be done online. Though individuals can access one free CIBIL Report and CIBIL Score every year, companies must pay a single amount of Rs. 3,000 to get their one-time CCR (Company Credit Report) and CIBIL Rank (if applicable).

Individuals who want regular access to the CIBIL Score and Reports can opt for a monthly/bi-annual/annual paid subscription. However, you will get a free CIBIL score and report with monthly updates when you check your credit score on Paisabazaar.

Consumers (both individuals and companies) have to register themselves on the CIBIL portal. After that, they can simply log in to access the CIBIL Reports by following the steps given below:

Step 1: Visit the official website of CIBIL

Step 2: On the top right corner of the homepage, click on ‘Partner Login’ and select ‘Consumer’

Step 3: On the page that opens hereafter, log in using your registered email id and 

Alternatively, upon successful registration with CIBIL, consumers are given access to the myCIBIL section which is meant for users. You can log in to myCIBIL using your registered email id and password.  One can also access myCIBIL by checking https://www.cibil.com/cas/consumer/portal/login

Note: To know how to login and get Company Credit Report, click here. 

You can check your credit score and read the report for free at Paisabazaar.com. Just follow these simple steps for generating your free credit report.

Step 1: Click on Paisabazaar’s free credit report

Step 2: Select your gender i.e. male/female

Step 3: Enter your full name, date of birth, PIN Code, PAN, email address and mobile number

Step 4: You can also ‘Get regular credit report updates via WhatsApp’

Step 5: Tick mark the declaration to proceed further

Step 6: Verify the details and click on the ‘Get Your Credit Score’ button

Note: You will automatically get to see your credit score and report analysis. If you buy a credit report directly from the bureau, it would cost you about Rs. 1,200 (which includes quarterly updates for a year), but we provide credit reports for free, along with monthly updates. Further, as this is a soft enquiry, there will be no negative impact on your score.

CIBIL Report Correction

You need to get a CIBIL Report correction in case you notice that there are any discrepancies in your CIBIL Report such as administrative errors or errors in reporting by banks/financial institutions. Make sure you get errors rectified immediately to avoid any major impact on your CIBIL Score/Rank. The steps involved in the Dispute Resolution process are given below:

Dispute Resolution Process for Individuals:

Step 1: Login to ‘myCIBIL’ and go to the Credit Reports Section

Step 2: Navigate to ‘Dispute Center’ and click on the ‘Dispute an Item’ button

Step 3: Fill in the online dispute form

Step 4: Choose the relevant section as per the nature of your dispute and click on ‘Submit’ button. In case you are disputing data inaccuracies, enter a value for the disputed field and click on ‘Submit’ button

Dispute Resolution Process for Companies:


Step 1: Visit the official website of TransUnion CIBIL

Step 2: Click on ‘Dispute Resolution’ button and select ‘Company Dispute Resolution’ option

Step 3: On the page that opens next, click on ‘Raise an Online Dispute’ button

Step 4: Fill in the Online Commercial Dispute Form, enter the captcha code and click on the ‘Submit’ button

Note: Once the dispute form has been submitted online, the disputed field(s) under relevant section(s) are marked ‘Under Dispute’. Then the dispute is taken up with the concerned lenders and the lender can either reject or accept the dispute. Corrections are made if the dispute is accepted and ‘Under Dispute’ is removed from the disputed field(s) under relevant section(s). 

Alternatively, you can also raise a dispute by writing to CIBIL at the following address:
TransUnion CIBIL Limited
One Indiabulls,
19th Floor, Tower 2A-2B,
Senapati Bapat Marg, Elphinstone Road,
Mumbai 400 013.
Tel : +91 – 22 – 6638 4600

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Some common terms used in both the Credit Information Report (CIR) and Company Credit Report (CCR), are discussed below:

  • SF/WD/WO/SETTLED: Credit Accounts that have Suit Filed/ Wilful Default/ Written Off/ Settled.
  • DPD: Days Past Due. It refers to the number of days that have passed from the agreed payment due date of EMI.
  • DPD ‘0’: It indicates that the payment is made as agreed i.e. on time and the credit account is up to date.
  • DPD>0: The number indicates the ‘Days Past Due’ reported by the respective lender i.e. how many days the payment was late as compared to the due date.
  • When any of the following letters are shown in the DPD table, it means that the lender is reporting Asset Classification and indicates the following:
Standard (STD) As per RBI guidelines, an account that is overdue for less than 90 days is considered a Standard asset
Substandard (SUB)As per RBI guidelines, an account that is overdue by 90 days for a period of less than or equal to 12 months is classified as a Substandard asset
Special Mention Account (SMA)These accounts are ‘Standard’ assets but for some discrepancy, the lending organization would like to monitor this account closely
Loss (LSS)As per RBI guidelines, an account where loss has been identified but the amount has not been written off wholly or partially is classified as a loss asset
Doubtful (DBT)As per RBI guidelines, an account that is overdue by 90 days for more than 12 months is categorized as a doubtful asset

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FAQs

Q.What is the difference between CIBIL Report and Credit Score?

A Credit Report contains information about the credit history and credit behaviour of individuals and companies. There are 4 major Credit Bureaus in India -TransUnion CIBIL, Equifax, Experian, and CRIF Highmark, each of which generates its own credit reports and scores. 

A CIBIL Score on the other hand is one of the components of the CIBIL Report. It is a 3-digit numeric summary of an individual’s credit history and ranges between 300-900. The closer your score is to 900 the better are the chances of approval of your personal loan application.

Q.What is considered to be a good CIBIL Score? 

A CIBIL Score of 750 or higher is usually considered to be a good credit score. The closer your credit score is to 750, the better your chances of being approved for new loans or credit cards.

Q.Can I have a CIBIL Score of zero?

No, the minimum CIBIL Score that you can find on your report is 300. However, in case you have a very short credit history or haven’t taken a loan/credit card in the past, you can have a credit score designated as NA (Not Available) or NH (No History).

Q.How much time does it take for a dispute resolution process to complete?

The dispute resolution process involves a turnaround time of up to 30 days.

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