Help and Advice Improve Your CIBIL Score

Understand Your CIBIL Report Better

Understanding Your CIBIL Score
Written by CreditSmart

Knowing Common Abbreviations In Your CIBIL Report

Your Cibil report reflects your score—but that’s not all that it tells.

It contains a lot of information about your repayment history as well as current loans. Don’t fold away your CIBIl report after viewing your score; instead, use these tips to understand all information that it has.

CIBIL TransUnion Score

This is the first section that you will see. The CIBIL score is in range of 300-900. Lenders check your score, among other things, when evaluating your loan application. Naturally enough, higher your score, better the chances of loan approval.

You’ll also find in this section the percentage of loan applicants of different score bands that got loan approval last year. For example, the loan approval rate for consumers having a score in range of 750-900 (By the way, for consumers in this score band, the approval rate is almost 90%.).

In place of a numeric value, NA or NH can also appear (only in certain conditions though) against your credit score.

Both implies either absence of credit history (that is, you’ve never had taken a loan) or newness to credit system. NA or NH can also appear when you’ve not had even a single credit activity in the last 2 years.

Tip: The information displayed here, besides giving you your credit score, gives you a fair indication of your current chances of getting a new loan.

Your personal information

 Here you’ll see your personal information under three different heads.

  • Personal Information – Information provided by you to creditors, like your name, DOB, passport details, PAN number, driver license details, and voter ID, is listed here. If against a detail letter ‘e’ is listed, it means that particular informaiton has come from the lender, not you.
  • Contact Information – In this section comes your addresses (office, temporary, permanent). Up to four physical addresses are shown here. Your phone numbers as well as email ID are also mentioned here.
  • Employment Information – It tells your income and employment at the time you applied for loan, so different loans can have different employment information against them.

Tip: Go through the information in this section to ensure everything listed is factually correct.

Account Information

This is meaty part of your report as it tells important information about your current credit cards and loans. Here you will find information like the kind of credit (auto loan, home loan, personal loan, etc.), details pertaining to the lender, the date on which the credit was issued, monthly payment history uptil last 36 months, the date on which last payment was done, whether the loan was taken jointly or indvidually, and outstanding loan amount. If there’s a red band against any information, it means that that piece of informaiton is being disputed.

Tip: You get a summary of your current loans. Check information listed carefully and if you find something is not correctly listed, either because of a lapse from you or the lender, get it corrected as soon as possbile. Thanks to this section, you can quickly learn your present debt situation.

Enquiries Information

Enquiries are of two types: hard and soft enquiries. An enquiry raised by a lender is hard enquiry while one initiated by an indvidual to know his or her own score is called soft enquiry. Each hard enquiry affects your credit score and details about it, like the name of the lender, the enquiry date, the type of loan, and the loan amount, are mentioned on your CIBIL report. Soft enquires, on the other hand, have no bearing on your score and are not reported on your report.

Tip: A financial institution raises a hard enquiry whenever you submit a loan application to it. Each hard enquiry lowers your credit score by 5 points. Submitting a loan application to different lenders at or around the same time can lower your score substantially. Let six months pass before submitting a new loan application.

Finally, here are some terms mentioned in your report that you should know.

  • DPD: It stands for ‘days past due’ and tells how many days a payment has been delayed. Anyting apart from ‘000’ or ‘XXX’ reflectes negatively as it means that you didn’t make the payment on time.
  • CN: It stands for control number and is listed at the top. If you want to initiate a dispute, call at this number.
  • Settlement Amount: The amount at which a loan is settled. The lender writes off the balance.
  • Written Off Amount:  The total interest and principal amount that has been written off, that is, the amount that the lender has lost hope of recovering.

Understand more about CIBIL at

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