Understanding your Credit Score

What is a CIBIL Score and Report?

CIBIL Score is a three-digit numeric summary of your credit history. The score is derived using the credit history found in the CIBIL Report (also known as CIR i.e Credit Information Report). A CIR is an individual’s credit payment history across loan types and credit institutions over a period of time. A CIR does not contain details of your savings, investments or fixed deposits.

Your CIBIL Score and Report is more than just a credit score and report — there’s so much more you can do with your Score.