The CIBIL TransUnion score gives you a three digit numerical summary of your credit history. From time to time, you need to have it because excess of credit can ruin you financially. This score is calculated from your credit history as given in the credit information report. Usually, the score varies between 300 to 900 points. This also briefs your lender about your financial status and how much you are in a position to pay back your credit card dues and loans. This is simply based on past repayment record or behavior.
Steps to get CIBIL report online
- First of all, login to https://www.cibil.com/online/manageCustomerDetails.do?action=showAddPaymentPage and the web page will give you a form that you need to fill up.
- Scroll down and come below the page where the form is available online.
- First select “I want to purchase my CIBIL TransUnion Score”. For this, you need to pay a price of Rs.470 (shown below)
- Then below it, the form is available for inputting all your personal information.
- In the personal information category, you will fill up your name, date of birth, gender, address, pin code and residence code along with the details of your income.
- Next, as you proceed below, you will give your telephone numbers and email ID through which you can be contacted.
- In the next and 4th category of information, you will provide your address proof and identity proof.
- Next, you will submit account numbers of your loan accounts.
- At length, you just have to enter the image of your CAPTCHA code.
- Finally, you need to accept the terms and conditions and proceed to click on the link for the online payment for the fees of Rs 470.00.
- After you complete your payment formalities, you will get your customer ID. It is an IDENTIFICATION ID number.
- Next step is called “authentication”. To keep your security safe, you will answer 3 questions. The questions are based on your credit history. When you answer your three questions correctly, your authentication will be completed successfully.
- After this, you will get your CIBIL score within 4 days.