How to check the names in CIBIL

How to check the names in CIBIL 
-----------------------------------


1.What is CIBIL
-----------------


Its not the case if your are not paying the loadn your name will enter into CIBIL record.
By default anyone having any loan / credit card will have an entry in CIBIL.
Surprisingly it is also keeps track  of individuals  CC purchase/outstanding amount, 
all your addresses like office / residence etc.
The reports also contains total number of  times someone queried your CIBIL report.
 Like swipe-in records to a restricted area.
                                                         
As the rating only to be used by financial institutes to rate their clients, till date CIBIL bureau do not give any way to access the rating to individual person in India.
If you have some friend in banks they can get it through their credit manger,


but as it keep track of number of enquiry made- it is not advisable to hit the CIBIL-database 
unnecessarily.Actually if you open the account in any bank or your dealing any transaction with
 any bank the CIBIL will capture your name and put in CIBIL database.Its nothing but just 
maintaing your records for credit instutions.




2.How Credit score is mandatory?
----------------------------------


And the second thing is if any one applied for loan in any bank first they will check your
name in the CIBIL with your credit score.The credit score is mandatory for all the persons who
is looking for the loan in the bank.


The credit score is vary depends upon maintaing proper accounts and loans.If already loan has taken
and not paid well then the credit score will go donw.


Actually the bank will consider your for the loan if you credit score is more thand or equal to 800.
If any one get the loan and not able to maintain the EMI that means not able to pay the emi properly 
then the credit score will automatically goes donw and name will be in defaulters list.


3,How to check credit score in CIBIL?
---------------------------------------


Just apply the below online application for to get the CIBIL report.


Online form for requesting CIBIL report for individual.


https://www.cibil.com/d2c/manageCustomerDetails.do?action=showAddPaymentPage


and you can make the online payment also in the same link.


Just pay Rs.142 this also needs to be pay in online.


4.How long it will take to get the report?
----------------------------------------
Usually, It takes 10 business days.
Initially, there was a delay for me, But after 
asking the status in consumerqueries@cibil.com they sent within 4 days.


In my case the problem is, someone else loan details where reflecting in my report.
I sent the query to rectify the details, then they rectified.
All these thing was done by CIBIL itself.


Previously, when I talked to customer executive, he said, 
often it may 45  days to clear a problem and we need to resolve those problems
by ourselves with the concerned bank/credit institution .


/*….  Since you have asked for   our names exist in CIBIL information report …*/
If you are specifically looking for your name in *defaulters* list.  This will not be maintained by CIBIL.
Attached the same query with CIBIL, I have made recently.