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cibil FAQs
As per the RBI’s directives, the credit bureaus shall give access to FFCR (Full Free Credit Report) once a year to everyone whose credit information they hold. You can request your free credit report anytime once in a year from CIBIL’s official website.
Repayment history is one of the most vital factors. It reflects whether you have paid your credit accounts on time.
This is the ratio of credit card balances to your credit limits. Exhausting too high of your available credit indicates financial stress and may impact your score adversely.
Yes, they do. The amount of debt, particularly in proportion to your income, does have an impact on credit score.
Each time you apply for credit, a hard inquiry is recorded on your credit report. While one or two inquiries may have a minimal impact, multiple inquiries within a short period can impact your score.
Having a diverse mix of credit types such as credit cards, auto loans, and mortgages can influence your score positively.