How to Download Your CIBIL Report Online

Your CIBIL score may change monthly depending on your past credit behaviour, which is reflected in your updated CIBIL report. Lenders, such as banks, NBFCs and other financial institutions, provide your credit information to CIBIL periodically (15-30 days) to calculate, generate and issue your CIBIL report.

You can check your CIBIL score and download the report from time to time and stay updated with your credit profile.

What is a CIBIL Report?

A CIBIL report is a detailed credit report containing details regarding your credit history and how you have managed your credit in the past. It contains the following sections:

1. CIBIL score
2. Your personal details, such as full name, address, email ID, mobile number, PAN, etc.
3. Payment History containing all payments made in the past three years.
4. Account Summary containing all credit accounts handled by you in the past seven years.
5. Credit Card Utilisation
6. Recent Credit Enquiries 
7. Age of Credit History (Age of all active accounts are mentioned)
8. Any recent grievances raised by you are also mentioned in the report. 

How to Download CIBIL Report?

You can download your latest CIBIL report and monitor it to assess your creditworthiness. Here’s how you can download your CIBIL report from Paisabazaar:

1. Click here and provide your mobile number to check your CIBIL score
2. Enter OTP and a few details such as your name, PAN, email ID, etc. and submit your application.
3. Your latest CIBIL score will be displayed on the dashboard.
4. Click on the Download Report button below the credit score.
5. Select the Bureau, Month, and Language and click on the Download Report button.

It is worth mentioning that you have to follow these steps only at the time of checking your CIBIL report for the first time. From next time, you can get your latest CIBIL score and report just by logging into your Paisabazaar account using your mobile number and OTP.

You can download your CIBIL report from TransUnion CIBIL’s website by paying the annual fee. Just login to your CIBIL account and click on Download CIBIL Report from the dashboard.

Note: Your CIBIL report is a part of the subscription program, and you will have to subscribe to the Credit Health Report to download the latest CIBIL report every month.

What is the CIBIL Report Password?

Your CIBIL report pdf is password-protected and can be opened only after entering the correct password. The password of your CIBIL report is one of the following:

• Your Date of Birth ( DDMMYYYY ) or
• First 4 characters of your first name (in upper case) and last 4 characters of your mobile number. (In case your first name has less than 4 characters, write “9” against every missing character)

Example: If your first name is OM and the last 4 digits of your mobile number are 1234, your password would be 99OM1234. 

In case you have downloaded the CIBIL report from CIBIL’s website, your CIBIL pdf password would be a combination of the following:

• The first four letters of your name mentioned in PAN in lowercase
• Year of birth

Example: If your name is Raghav Singh and your date of birth is 15th September 1978, your password would be ragh1978.

Why should You Download the Credit Report from Paisabazaar?

Paisabazaar offers numerous benefits to consumers who download their credit reports from its platform. Some of these are mentioned below:

Multiple Credit Bureaus

• Paisabazaar has partnered with all four credit bureaus, such as TransUnion CIBIL, Equifax, CRIF High Mark and Experian. 
• You can check your credit report from multiple credit bureaus in one place.

Monthly Updates

• Credit reports from all bureaus get refreshed every month.
• You can download your latest credit reports from Paisabazaar every month.

Multiple Languages

• You can download your credit report in multiple languages, including Hindi and English
• Credit report in your mother tongue can help you learn about it smartly.
• No additional fee is charged from Credit Health Report subscribers for this facility

Detailed Credit Report

• Customers get a detailed credit report with components, including personal information, payment history, account details, Days Past Due (DPD), credit score trends and more. 
• These insights can help them understand their credit behaviour better and take corrective measures to improve and rebuild their credit score.
• Tips and suggestions provided in the report can also help improve the credit score.

Credit Advisory Service

• For customers with low credit scores, Paisabazaar.com has launched a unique Credit+ advisory service for its customers.
• Credit experts deep dive into customers’ credit history and provide recommendations to improve their scores significantly.

Pre-approved Offers

• Based on your creditworthiness, you can check and opt for pre-approved loan and credit card offers from leading banks/NBFCs. 
• As these loans are pre-approved, the disbursal can be done almost immediately.
• Your credit score is not impacted when you check pre-approved offers.

Also Read: Various Credit Awareness Initiatives by Paisabazaar

Benefits of the Detailed CIBIL Report

The benefits of the detailed CIBIL Credit Health Report by Paisabazaar are mentioned below:

• The snapshot of what’s changed in the report can help understand the score variation better.
• An informative and interactive report helps understand all factors smartly.
• Personalised tips and suggestions can help build and maintain your credit score.
• It becomes easier to check for errors in the credit report.
• One can raise a grievance directly through the detailed report.
• Apart from CIBIL, CHR subscribers can download the credit report from other bureaus as well.

Validity of the CIBIL Report

Your CIBIL report generated through Paisabazaar is considered equally valid as the one generated on its platform.

The report is valid for one month, and a new report is generated as soon as CIBIL receives your credit information from lending banks, NBFCs and other financial institutions.

Checking your credit report regularly has no impact on your credit score. Your credit score is impacted only when a lender/provider requests your credit report from a credit bureau. This type of enquiry is known as a hard enquiry and is mentioned in your credit report as well.

FAQs on CIBIL Report Download

Q. How long does it take to receive my CIBIL report after requesting it online?

Ans. A CIBIL report can be received immediately after requesting it from online platforms or directly from the credit bureau. 

Q. Can I check my CIBIL report if I do not have a credit history?

Ans. Yes, you can check your CIBIL report even with no credit history. However, it may not provide any relevant information because of a lack of payment history, and it shall display ‘NA’ against your credit report.

Q. Will checking my CIBIL report affect my credit score?

Ans. No, checking your CIBIL report shall not negatively or positively impact your credit score, as it is considered a soft inquiry by the credit bureau, and it is not mentioned in your report.

Q. Can I check the CIBIL report for my family member or spouse?

Ans. No, it is not possible to check the CIBIL report for others. As the CIBIL report is personal information, it is advised not to check the credit score of other individuals, even if you have their details.

Q. For how long will CIBIL mention my information in credit report?

Ans. CIBIL calculates your credit score on the basis of the last seven years of credit history. However, the payment history considered is for the past thirty six months.

Suggested Read: How Long Does Negative Information Stay on CIBIL

Q. Can I use my CIBIL score in any other country when I relocate?

Ans. Your CIBIL score is generated based on existing and past credit products that are availed in India. If you wish to relocate to other countries, you shall have to follow the credit score policies followed by that particular nation.

Q. What should I do when I notice discrepancies or inaccuracies in my CIBIL report?

Ans. On encountering any error, minor or major, in your CIBIL report, raise a dispute with TransUnion CIBIL by filling out and submitting an online dispute resolution form and get it resolved at the earliest to avoid any dip in your credit score.

Read More: How to Track a Fraud in your Credit Report?

Q. What is the default password to open the CIBIL report PDF?

Ans. The default password to open your credit report PDF containing your CIBIL score is your date of birth in DDMMYYYY format.

Q. How many times can I check my CIBIL Report?

Ans. You can check your CIBIL report online as many times as you want without impacting your credit score. In addition to that, you get a free update of your credit score every month.

Q. Can I check my CIBIL credit report in my language?

Ans. Yes, you can check your CIBIL credit report in English and Hindi, as well as in other regional languages, such as Marathi, Tamil, Telugu, Kannada and Bengali.

Q. How can I check the CIBIL report from SBI?

Ans. At present, SBI does not offer CIBIL reports to customers. However, you can check your CIBIL score for free through Paisabazaar and then apply for the credit product depending on your score and other eligibility parameters.

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