What Is Your CIBIL Credit Score Made of? Read What Affects You The Most?

Does Revolving Credit Affect Credit Score?

Credit Score will soon play a very important role in determining how the world looks at us. From employment prospects to school admission, everything is all set to come under the purview of credit score review. Needless to say, a poor credit record will shut out opportunities for you and your family and eventually black list your credibility.

You must be wondering, how personal report can become public and probably would take recourse to the law, if something like this happens to you. Well, no one would do that to you. In the days ahead you may have to make your CIBIL credit information report public to establish your credentials. If you don’t you lose out. Let’s get into this in details.

A CIBIL Credit Information Report (CIR) is a statement citing your credit payment history. The statement is essentially a compilation of information collated from lending institutions. It carries basic information, details about availed loans, payment history, outstanding if any, current status, and lots more to reveal the other side of you.

How Do The Above Mentioned Affect Ones Score?

Payment History This statement shows the payment made by you over a period of last three years to clear off your debts. It also clearly reflects the delay in payment, on your part, if any. So, if you have been an incorrigible defaulter, it would all show through.

Current Outstanding Balances – Once a clear picture of your present outstanding is presented to the lender, your position with respect to clear further loans gets bared. When the statement shows you have less debts, your credit score would get pushed up.


New Inquiries – This damning section would focus on the the inquiries you have made about more loans. More the inquiries means the urgent are you in need of money and so would push your credit score down.


Your Credit Information Report will have the following

Sanctioned Amount

  • Current Balance
  • EMI Amount
  • Actual Payment Amount
  • Amount Overdue
  • Repayment Tenure
  • Collateral (property, shares, gold offered as a security)
  • Credit Limit
  • Cash Limit
  • High Credit (Highest amount ever billed against a credit card or overdraft facility).
  • Days Past Due (or DPD) (Period for which due payment was late. If it is “XXX”, then the lender has not reported on about it)
  • STD – Standard – Payments made within 90 days after the due date.
  • SMA – Special Mention Account shows that the Standard Account is slipping or has slipped into Sub-Standard Account.
  • SUB – Sub-Standard – An account under NPA cloud for up to 12 months.
  • DBT – Doubtful – An account assigned with NPA for more than 12 months.
  • LSS – Bad debt.
  • Enquiry
  • Control Number (or CN) Number unique to Credit Information Report (CIR).
  • Ownership – Payment responsibility
  • Single or Joint borrower
  • Guarantor
  • Written-Off and Settled Status
  • Written-Off Amount (Total)
  • Written-Off Amount (Principal)
  • Settlement Amount
  • Details of Suit filed by lender/Willful Default by borrower

Before you go for a loan, purchase and review your CIR. If you come across inconsistencies, you need to act on them quickly, to avoid hassles at the evaluation stage









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