CIBIL Consumer Login & Registration

TransUnion CIBIL is one of the most prominent credit information bureaus in India. It is known to maintain the financial records of individuals and businesses. This information helps lenders determine the creditworthiness of an individual or a business based on their past financial behaviour and overall credit health. However, to access this data, you need to log in to the CIBIL portal. Let’s learn how.

CIBIL Login Process for Individual Members

1. Visit the official CIBIL website https://www.cibil.com/ and click on the ‘Login’ button on the homepage

2. Enter credentials like your email ID and password to proceed

3. Enter the provided OTP

4. Verify whether the device you are using is trusted or not

5. Your CIBIL dashboard will then be visible on the screen

CIBIL Login Process for Companies

1. Visit the official CIBIL website https://www.cibil.com/company-credit-report

2. Click on the ’Login’ option

3. Enter credentials like the email ID and password

4. Your dashboard shall be displayed on the screen

KYC Documents Required for Individuals

To get access to your individual CIBIL score, you are required to submit both identity proof and address proof documents as mentioned below. 

• Identity Proof

PAN card/Passport/Aadhaar card/Voters identity card/Driver’s licence

• Address Proof

Electricity bill/Telephone bill/Bank statement

KYC Documents Required for Companies

For companies, only proof of address, like a bank statement, or electricity/telephone bill has to be provided as other details have already been furnished during the company registration process.

You must ensure to upload the recent KYC documents before proceeding to the CIBIL login. Expired or invalid documents can result in the cancellation of the registration process. You can proceed to upload KYC documents by following the steps given below:

myCIBIL is an online platform provided by TransUnion CIBIL Limited, allowing individuals to get access to and manage their credit-related information like their credit scores and reports, monitor their credit health, etc.

• You can easily view your CIBIL score and credit report online

• You can monitor your credit report regularly and rectify any errors that may negatively impact your score

• myCIBIL can connect you with lenders offering pre-approved loans

• You can get competitive interest rates on these pre-approved offers

• myCIBIL allows you to dispute any inaccuracies in your credit report directly with the credit bureau

• You may receive discounts on reports and services after logging into the myCIBIL platform

CIBIL Registration Process for Individual Members

You can view your updated credit score by registering on CIBIL’s website through these three simple steps:

1. Visit the CIBIL website, and click on ‘Subscribe Now’ 

2. Choose the subscription plan you want

3. Provide a few personal details like date of birth, PAN, and email address

4. Pay for the subscription through either net banking or your debit/credit card

 

With this, you will be registered on the CIBIL portal and be able to access your credit reports and CIBIL scores with ease.

CIBIL Registration Process for Companies

A company can register itself on the CIBIL website through the steps given below:

1. The company has to select the option of ‘Company Credit Score” 

2. Provide details like the company’s name, address, legal constitution, authorised signatory’s ID and address proof, and other additional information 

3. Make the required payment through net banking or credit/debit card

4. A unique CIBIL registration ID along with a transaction ID will be sent to the registered email address

5. Upload the company’s KYC documents

 

Following this, the provided data will be verified, post which CIBIL will send a Company Credit Report (CCR).