From CIBIL to banks, different ways to access your credit report
credit reports through a number of means, primarily through credit bureaus authorised by the Reserve Bank of India (RBI) and regulated by the Credit Information Companies Regulation Act (CICRA). Ajay Mishra wants to raise ₹10 lakh personal loan and before he negotiates with the bank for favourable terms, he wanted to explore different options to access his credit report. 1.
TransUnion CIBIL: This is one of the leading credit bureaus and one can access one's credit report from their portal by registering and following the necessary authentication process. 2. Experian: This provides online access to credit reports through its website.
Users need to register and verify their identity to obtain their reports. ALSO READ: How do savings and investments impact your CIBIL score? 3. Equifax: This is another authorised credit bureau which allows individuals to access their credit reports online after registration and verification.
One can also get credit report through banks or financial institutions. Several banks and financial institutions also give access to credit reports as part of their services. You can inquire with your bank if they offer this facility.
Some banks also integrate credit report access into their internet banking platforms or mobile banking apps. Third-Party Platforms: Some financial technology (fintech) companies and websites offer credit report services in collaboration with credit bureaus. Users can access their credit reports by providing necessary details and undergoing verification processes.
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