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CIBIL रिपोर्ट क्या होती है और अपनी सिबिल रिपोर्ट कैसे पढ़ें?

Home क्रेडिट स्कोर क्या है और क्रेडिट रिपोर्ट को कैसे जानें CIBIL रिपोर्ट क्या होती है और अपनी सिबिल रिपोर्ट कैसे पढ़ें?

आपका क्रेडिट स्कोर कितना है? 600 या 750? मुफ्त में जानें

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आपकी क्रेडिट हैल्थ महत्वपूर्ण है

आपका क्रेडिट स्कोर सिर्फ एक नंबर नहीं है। एक अच्छा क्रेडिट स्कोर आपको मनपसंद क्रेडिट कार्ड या कम ब्याज दरों पर लोन लेने में मदद कर सकता है।

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मुफ़्त क्रेडिट स्कोर

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City: Gurgaon
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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 :19/01/2022

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 :19/01/2022

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 : 19/01/2022

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 :19/01/2022

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 : 19/01/2022

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 :19/01/2022

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 :19/01/2022

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Read in English
Updated: 02-11-2021 08:52:57 AM

वर्तमान में कोई भी लोन या क्रेडिट कार्ड लेने के लिए आपका क्रेडिट रिकॉर्ड अच्छा होना चाहिए। आपकी पूरी क्रेडिट प्रोफाइल व रिकॉर्ड आपकी सिबिल रिपोर्ट में दिया जाता है। अपने क्रेडिट रिकॉर्ड को जानने के लिए आपको सिबिल रिपोर्ट को समझना आना चाहिए (Understand your CIBIL Report), कि उसमें शब्दों व संखयों का क्या मतलब है। ऐसा करने से आपको उन फैक्टर्स की पहचान करने और समझने में मदद मिलेगी जिससे आपका क्रेडिट स्कोर कम होता है, इसके अलावा, यदि रिपोर्ट में कोई गलतियां हैं, तो उन्हें भी सुधारा जा सकता है। इस पेंज में नीचे बताया गया है कि क्रेडिट रिपोर्ट को कैसे समझें व रिपोर्ट में किस चीज़ का क्या अर्थ होता है।

ये भी पढ़ें: CIBIL रिपोर्ट क्या है, मुफ्त में कैसे डाउनलोड करें?

मुफ्त में हिंदी क्रेडिट रिपोर्ट हर महीने अपडेट के साथ प्राप्त करें यहाँ क्लिक करें

अपनी CIBIL रिपोर्ट कैसे पढ़ें?

आपकी सिबिल रिपोर्ट (Cibil Report) में जो बताया गया है उसे पढ़ने और समझने के लिए, आपको इसके प्रमुख भागों से परिचित होना चाहिए। अपनी रिपोर्ट में इनकी जांच करें और आप यह समझने में सक्षम होंगे कि आपकी रिपोर्ट में कहाँ पर गलतियाँ हैं।

CIBIL रिपोर्ट के प्रमुख भाग: 

1. CIBIL स्कोर 

यह स्कोर 300 से 900 के बीच होता है। स्कोर जितना 900 के करीब होगा उतना अच्छा होगा। ज़्यादातर बैंक व लोन संस्थान 750 व उससे ज़्यादा सिबिल स्कोर को अच्छा मानते हैं।

ये भी पढ़ें: अपना क्रेडिट स्कोर कैसे बढ़ाए, इसके लिए 9 टिप्स

2. व्यक्तिगत और संपर्क की जानकारी

यह भाग आपके द्वारा दिए गए अनुसार आपका नाम, पता विवरण और फोन नंबर दर्शाएगा।

3. रोज़गार जानकारी

यहां आपको अपनी कम्पनी का नाम, आपके रोज़गार का प्रकार (जैसे नौकरीपेशा) और मासिक इनकम की जानकारी मिलेगी।

इनके अलावा, आपकी क्रेडिट रिपोर्ट में निम्न जानकारी शामिल हो सकती हैं:

बैंक अकाउंट की जानकारी

  1. बंद / चालू खाते
  2. जब ये खाते खोले / बंद किए गए थे
  3. पेमेंट हिस्ट्री
  4. क्रेडिट यूटिलाइज़ेशन
  5. लोन स्टेटमेंट (पेड या पेंडिंग)

क्रेडिट इनक्वायरी

जब आप लोन या क्रेडिट कार्ड के लिए आवेदन करते हैं, तो लोन संस्थान उपलब्ध क्रेडिट ब्यूरो से आपकी क्रेडिट रिपोर्ट लेता है इसे हार्ड-इनक्वायरी कहा जाता है। इस हार्ड-इन्क्वायरी को आपकी क्रेडिट रिपोर्ट में दर्ज किया जाता है। यदि आप कम समय में कई बार लोन या क्रेडिट कार्ड के लिए अप्लाई करते हैं तो आपके लिए की गई हार्ड-इन्क्वायरी की संख्या बढ़ जाती है। जिससे आपका क्रेडिट स्कोर कम हो सकता है।

अपनी CIBIL रिपोर्ट को कैसे समझें

आपका CIBIL स्कोर – एक स्कोर जो कि 900 के करीब है, जो कि अच्छे स्कोर को दर्शाता है, जबकि 650-600 से कम होने वाले को खराब या कम क्रेडिट स्कोर कहा जा सकता है।

कॉन्टेक्ट डीटेल – पैन, मोबाइल नंबर और खाते की जानकारी के लिए जाँच करें। यदि आपको कोई विसंगतियां हैं, तो CIBIL को रिपोर्ट करें।

बंद / चालू खाता – जांचें कि क्या कोई पुराना लोन खाता है जिसका आपने पहले ही बकाया भुगतान कर दिया है, अभी भी आपकी रिपोर्ट में दर्शाया जा रहा है। यदि हां, तो तुरंत उसे बंद करने का अनुरोध करें।

हार्ड इनक्वायरी की संख्या – यदि आप कई हार्ड इनक्वायरी करते हैं, जिनकी आप पहचान नहीं कर पाते हैं, अर्थात अनधिकृत इनक्वायरी, आदि हो सकता है। इसलिए, इस भाग पर कड़ी निगरानी रखें।

ये भी पढ़ें: क्रेडिट रिपोर्ट क्या है, क्यों ज़रूरी है

CIBIL रिपोर्ट क्या है?

स्कूल में रिपोर्ट कार्ड प्राप्त करना याद है? आपका शैक्षणिक प्रदर्शन उस रिपोर्ट कार्ड में दिए गए ग्रेड या अंकों के आधार पर मापा जाता था। एक क्रेडिट रिपोर्ट भी ठीक उसी तरह काम करती है और आपके क्रेडिट हेल्थ को दर्शाती है।

CIBIL जैसे क्रेडिट ब्यूरो विभिन्न बैंकों व लोन संस्थानों से लोगों की जानकारी एकत्र करते हैं, कि किसने कितने लोन लिए, लोन का भुगतान समय पर व पूरी किया या नहीं, कितनी बार लोन डिफ़ॉल्ट किया, कौन व्यक्ति क्रेडिट कार्ड का कितना व कैसे उपयोग करता है और आदि। इस जानकारी के आधार पर ही CIBIL आपका क्रेडिट स्कोर कैलकुलेट करता है।

संक्षेप में, आपकी क्रेडिट रिपोर्ट एक विवरण है कि आप अपने पर्सनल फाइनेंस को कैसे मैनेज करते हैं। आपका CIBIL स्कोर इस बात पर निर्भर करता है कि आप अपने पर्सनल फाइनेंस को कितनी अच्छी तरह से संभालते हैं।

मुफ्त में हिंदी क्रेडिट रिपोर्ट हर महीने अपडेट के साथ प्राप्त करें यहाँ क्लिक करें

 

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