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How to Read CIBIL Report? (With Dispute Resolution Process)

Published on Feb 26, 2020Updated on Nov 8, 2023

How to Read CIBIL Report? (With Dispute Resolution Process)

What Is a CIBIL Report?

The Credit Information Bureau (India) Ltd (CIBIL) generates CIBIL reports. It is a detailed record of a person's credit history and repayment activity. The report contains details regarding the individual's credit accounts, including credit cards, loans, and other credit facilities. It also includes information regarding the individual's repayment history, such as whether or not they have paid their bills on time, defaulted on any loans, and the current status of their credit accounts.

Lending bodies and other financial organizations use the CIBIL report to assess an individual's creditworthiness and choose whether to extend credit or give loans. A high CIBIL score implies that a person has an excellent credit history and is more likely to be granted credit. A low CIBIL score, on the other hand, shows that a person has a poor credit history and may be seen as a high-risk borrower.

Common Terms You Need to Know While Analyzing Your Credit Report

When analyzing your credit report, it's important to understand the following common terms:

  1. Credit Score: A numerical value that represents your creditworthiness based on your credit history and behavior. 
  2. Credit Report: A detailed report that shows your credit history, including credit accounts, payment history, and inquiries. 
  3. Credit Utilization: The percentage of your available credit limit that you're currently using. 
  4. Payment History: A record of your past payments on credit accounts, including any missed or late payments. 
  5. Credit Inquiries: Records of companies that have requested your credit report. 
  6. Derogatory Marks: Negative information on your credit report, such as late payments, defaults, bankruptcies, or foreclosures. 
  7. Collection Accounts: Unpaid debts that have been sent to a collection agency. 
  8. Public Records: Legal actions, such as bankruptcies or judgments, that can affect your credit score. 
  9. Account Status: Indicates whether a credit account is open, closed, or has been transferred to another creditor. 
  10. Authorized User: A person who is authorized to use your credit account but is not responsible for repayment. 
  11. Account Age: The length of time that an account has been open. 
  12. Balance: The amount of money owed on a credit account. 
  13. Available Credit: The amount of credit that is still available to you on a credit account. 
  14. Credit Limit: The maximum amount of credit that you can borrow on a credit account.

Maintaining a good credit history, and ensuring that the same is reflected in your CIBIL report is a must to be able to access loans when you need them the most. You can get your CIBIL report by applying for the same at the CIBIL portal. Read on to find out how to understand better the various sections provided in the report:

1. CIBIL score

The very first thing you would see in the CIBIL Credit Information Report is your CIBIL Score. This is an overall valuation of your credit history and is used by lenders to evaluate your creditworthiness. The score is a single number between 300 and 900. Higher the score, more favourable is your application for new credit extension as this means you have been repaying your loans on time and have enough disposable income to repay another loan if required. This is calculated based on the information you would find in the Account Information and Enquiry Information sections of the report. In a few cases the score may be displayed as NA or NH, this indicates one of the following:

  1. You do not have a credit history yet - this is mostly applicable for those who don’t have any income - like young students.
  2. You have not undertaken any loans over the last few years
  3. You have no credit cards or any other exposure.
Must Read:Check CIBIL Score Online

2. Personal information

The second section of the report presents your personal information like your name, date of birth, gender, etc. as registered with CIBIL. The section also contains all the identifying information that CIBIL may have about you. This includes:

  1. PAN
  2. Passport number
  3. Aadhaar
  4. Driver license number
  5. Voter ID number
  6. Any other identifying information provided by the lenders to the bureau.
Must Read: Personal Loan for Low CIBIL Score

3. Contact information

Your addresses, telephone number, and email address are present in the next section of the report. These details are captured as shared by the lenders. As part of addresses, the report would capture your office address, residential address - both permanent address and the current address. The report does not just contain the current information, but historic information as well. The historic information goes back to a maximum of four iterations.

4. Employment information

This section contains the information about your occupation, and your income based on the information shared by you when opening an account for a credit facility or loan. Again, this information is presented as-is from what the lenders submit to the bureau as part of the repayment information.

5. Account information

This is arguably the most important part of the report as your CIBIL score is greatly influenced by this. This section presents information about all your loans and credit cards and your repayment history. All the data shared by the lenders is summarized in a table including:

  1. The name of the lender,
  2. Type of credit facility,
  3. Account Number,
  4. Type of Ownership,
  5. The date of opening the account,
  6. The date of last payment,
  7. Loan Amount,
  8. Outstanding Balance,
  9. A month-on-month record of the last 36 months, and
  10. The Days Past Due (DPD), i.e. the number of days for which the payment has been due
Must Read:Check CIBIL Score for a Personal Loan

Status of the account could be one among the following:

  1. Standard (STD) - Payment settlement within 90 days.
  2. Special Mention Account (SMA) - Special accounts are made that report standard accounts transitioning towards sub-standard. 
  3. Sub-Standard (SUB) - Payment settlement after 90 days.
  4. Doubtful (DBT) - Any account that is sub-standard for 1 year.
  5. Loss (LSS) - An account that reflects loss and is uncollectable.

STD is considered a favorable status. Every other status is negative.

6. Red Box

Within the Account Information section, if any details are disputed then a red box with an alert message is shown above the account information along with the date of the dispute.

7. Inquiry information

The inquiry section is the final section of the CIBIL report. It contains information about any recent inquiries made by lenders. Every time you apply for a loan or a credit facility, the lender would send an inquiry to CIBIL about your credit history. The same is recorded in your CIBIL report as well. Each entry includes the name of the lender, date of the application, type of the loan, and the loan amount requested.

Must Read: How to Check CIBIL Score For Personal Loan?

Dispute Resolution Process

If anything in your credit report looks off, you can raise a dispute with CIBIL to correct the same. Follow the below steps for this:

  1. Submit the Online Dispute Form at the CIBIL portal
  2. CIBIL will show the disputed entries as disputed in the report
  3. CIBIL will reach out to the lenders to get the correct information, based on the type of dispute
  4. If the lender accepts the dispute, the report will be changed to reflect the same
  5. The turnaround time for dispute resolution is typically under 30 days.

How To Improve The CIBIL Score

A CIBIL score of 650-700 and above is considered healthy. If your score is lower than this, you may find it difficult to get loans and should work to improve your score. Some of the steps that you can take include:

  1. Make timely payments on all your loans
  2. Do not use the credit card to its limit, and make credit card payments by the due date
  3. Keep your credit utilization low
  4. Pay off dues in full as soon as possible

How to rectify CIBIL Report errors

If you discover inaccuracies on your CIBIL report, you can correct them by taking the following steps:

  1. Examine Your CIBIL Report: Get a copy of your CIBIL report from the website of CIBIL or any of the other authorised credit information businesses in India. Examine the report carefully and make note of any flaws or inconsistencies.
  2. Collect All Pertinent Papers: Collect all pertinent documents that support your claim, such as loan repayment receipts and credit card bills.
  3. Contact CIBIL: Fill out the dispute resolution form accessible on the CIBIL website to file a disagreement. Provide all pertinent information and documentation to support your claim.
  4. Follow Up With CIBIL: Ensure that your dispute is being processed by following up with CIBIL on a regular basis. Also, you can monitor the status of your dispute on the CIBIL website.

CIBIL will advise you of their conclusion regarding your disagreement after considering it.

Follow these steps for CIBIL report correction

Obtain a copy of your CIBIL report: Visit the CIBIL website and request a copy of your credit report. You will need to pay a nominal fee for the report.

  1. Review your report: Once you receive your report, review it carefully to identify any errors, inaccuracies, or discrepancies.
  2. Gather supporting documents: Gather all relevant documents that support your claim, such as loan repayment receipts, credit card statements, and other related documents.
  3. File a dispute: Fill out the online dispute resolution form available on the CIBIL website. Provide all the necessary details and documentation to support your claim.
  4. Wait for CIBIL's response: CIBIL will investigate your dispute and contact you with their decision within 30 days.
  5. Follow up with creditors: If the error was caused by a creditor's mistake, follow up with them to ensure that they have corrected the error and that it has been reported to CIBIL.
  6. Review the updated report: Once CIBIL has updated your report, obtain a copy and review it to ensure that the error has been corrected.

Credit Score Range



Probability of loan approval

Less than 600

Urgent action demanded for

Extremely low

From 600 to 649

Highly doubtful

Hard even with high interest

From 650 to 699

Just satisfactory


From 700 to 749



From 750 to 900


Very high


What does 000 mean in the CIBIL report?

In the CIBIL report, 000 is a code that is used to indicate that there is no credit history available for the individual. It means that the individual has not borrowed any credit or taken any loans from any financial institution or lender in the past, or has not done so in a manner that has been reported to CIBIL.

How is the 777 CIBIL score?

The CIBIL score is a 3-digit numeric summary of an individual's creditworthiness and ranges from 300 to 900, with 900 being the highest possible score. A CIBIL score of 777 is generally considered a good score, as it falls within the range of 750-900, which is considered a high score range.

What does a 0 /- 1 CIBIL score mean?

A CIBIL score of 0 or -1 is not a valid score and usually indicates no credit history or a credit history less than 6 months old. 0 means that the individual has not borrowed in the past. -1 indicates that the individual has a credit history, but it is not sufficient to generate a credit score.

Can I get a home loan with a 0 CIBIL score?

It is quite improbable that you will be able to obtain a mortgage with a CIBIL score of 0, as the absence of a credit history is seen as a high-risk factor by lenders. Without a credit history, lenders cannot assess the risk associated with extending credit to a person.

What is the minimum CIBIL score for a loan?

A CIBIL score of 750 or higher may improve loan acceptance odds. Some lenders require a minimum CIBIL score of 750 or higher for a personal loan, but 700 or higher for a home loan. Lenders evaluate more than just CIBIL scores when approving loans. Income, employment, debt-to-income ratio, and credit history may all be considered.

Does CIBIL score change every month?

CIBIL scores do not change monthly. Credit bureaus like CIBIL update credit ratings monthly or when credit reports change. The credit report may modify the CIBIL score if there are missed payments, new credit accounts, or canceled accounts. If the credit record stays the same, the CIBIL score will too.

What is the difference between credit score and CIBIL score?

Credit bureaus use credit reports to generate an individual's three-digit credit score. Lenders use credit scores to estimate a borrower's risk and possibility of repaying. CIBIL, one of India's major credit bureaus, provides CIBIL scores. High CIBIL scores indicate creditworthiness. CIBIL score refers to CIBIL's credit score, while credit score refers to any credit bureau's score.

How can I delete my CIBIL history?

It's not possible to delete your CIBIL history, as the credit bureau maintains a record of an individual's credit history for a period of 7 years or more. The credit history includes information about credit accounts, payment history, credit inquiries, and other relevant data

Is CIBIL score different for every bank?

No, the CIBIL score is the same for every bank, as it is provided by the Credit Information Bureau (India) Limited (CIBIL), which is an independent credit bureau. The CIBIL score is a three-digit number ranging from 300 to 900, with higher scores indicating better creditworthiness.

Does bank balance affect CIBIL score?

Bank balance does not affect CIBIL score. Payment history, credit utilisation, duration of credit history, types of credit accounts, and credit inquiries determine an individual's CIBIL score. Bank balance indirectly affects CIBIL. Lenders may suspect a borrower with a low bank balance or frequent overdrafts is financially unstable.

Does EMI affect credit score?

Yes, EMI (Equated Monthly Installments) can affect the credit score. If an individual makes timely EMI payments, it can have a positive impact on their credit score. On the other hand, if an individual misses or makes late EMI payments, it can have a negative impact on their credit score

What does the CIBIL score depend on?

The CIBIL score depends on several factors that reflect an individual's creditworthiness. Some of the key factors that determine the CIBIL score include payment history, credit utilization, length of credit history, types of credit accounts, credit inquiries.

Does 1 day late payment affect CIBIL score?

A single day late payment can lower CIBIL score. Payment history is a major aspect in CIBIL scores, showing whether a person has paid their credit bills on schedule. Even a one-day payment delay can result in late payment fees and interest costs, which can lower CIBIL scores.

What is the full form of CIBIL STD?

"STD" on a CIBIL form stands for "Standard." This is a keyword for credit card and loan accounts. STD means that you paid your past-due bills on time or within 90 days of when they were due. To understand your credit report, you need to know what STD stands for.

How can I remove LSS from CIBIL?

"LSS" on a CIBIL report shows a borrower settled a loan for less than what was outstanding. As the borrower was unable to return the loan in full, this can lower the CIBIL score. CIBIL cannot delete Loan Settled Status from credit reports. It stays on the report for seven years, affecting the borrower's creditworthiness and ability to get credit. 

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