Additional Information Contained in CIBIL Report

To put it is short, a CIBIL report reflects one’s financial credibility. As such, the report does provide an array of relevant information as well. Unfortunately, majority of folks are considerably unaware of the additional information that the report provides. Instead of folding away the score sheet, if one sits down with it for some time, one is bound to unearth a lot of relevant information much conveniently.

In the first section of the score sheet is the CIBIL trans-union score. This score ranges between 300 and 900. Lenders check this score before granting loan to an individual. The higher the score the better is the chance for the individual to get a loan application approved. Thankfully, there are effective measures to improve one’s CIBIL rating.

This particular section also informs about the percentage of loan applicants belonging to different score grades whose loans got approved last year. However, instead of a numeric value, a score sheet may reveal NA or NH too. Though this happens in exceptional cases and the alphabetic strings imply absence of credit history or fresh appearance of an individual to the credit system. On the other hand, implications like NA and NH can also appear in case when there is not a single credit activity in the last couple of years.

There are many robust online portals available to check CIBIL score free. Contrastingly, the score sheet contains substantial volume of an individual’s personal information as well. As such, this set of information - like a debtor’s name, date of birth, passport details, driving license details and voter I-card details - is provided to the creditor by individuals themselves. However, if there is ‘e’ listed with any personal information, it indicates that the particular information has come from the lender and not the debtor.

CIBIL score sheet also contains contact information – like postal address, phone number, and email-id. The piece of document also holds one’s employment information like earning and employment details at the time of applying for the loan.