CIBIL Consumer Credit Information Report

Training Guide
Please read the descriptions below for guidance on understanding the elements of a consumer credit
information report from CIBIL.

Report Header Information

CONSUMER/BORROWER: Name of consumer/borrower.

DATE: Date of when the report was created.

MEMBER ID: Enquiring members code assigned by CIBIL

TIME: Time stamp of when the report was created.

MEMBER REFERENCE NUMBER: Reference number assigned

CONTROL NUMBER: Assigned to the enquiry by the system.

to the enquiry by the member. (This field is blank if the member

does not supply a number.)

Consumer/Borrower Information

NAME: Consumers name.

DATE OF BIRTH: Consumers date of

TELEPHONE(S): Consumers

INCOME TAX ID: Consumers Permanent Account

telephone number(s).

No. as assigned by the Income Tax Department.

VOTER ID: Electors Photo Identity Card (EPIC)

birth. Format is DD-MM-YYYY.

number.

GENDER: Consumers gender.

PASSPORT NO: Consumers passport number, as

defined by the India Security Press.

Address(es)

ADDRESS

DATE REPORTED

Up to four addresses can appear on each report. Addresses are in free format and usually
contain the following elements:
Consumers address, City/Town and District, State
Descriptive information such as care of, son of, etc.
PIN Code of the address

Date the associated address was first

reported.
Format is DD-MM-YYYY.

Copyright 2007 All Rights Reserved

Subject to the Terms of Use and Privacy Policy

Page 1 of 4
November 27, 2007

CIBIL Consumer Credit Information Report

Training Guide

CIBIL TransUnion Score

SCORE
Indicates the Score Value
for the consumer.

SCORING FACTORS

Reasons why the consumer did not receive the most optimal score for a particular factor. Returned
only if the borrower did not receive the most points possible for a particular score factor. With
every score, a maximum of five (5) reasons can be returned.
Exclusions that are applied when a consumer has such factors as restructured, wilful default,
written off and suit filed in the past 24 months, on their credit report. For such an individual a
valid score between 300900 is returned with the applicable exclusion code.

For detailed information on the Score, please see the guide Understanding the CIBIL TransUnion
Score.

Summary

Accounts
ACCOUNTS

ADVANCES

TOTAL: The total number of

HIGH CR / SANC. AMT: For CURRENT: The sum of the

RECENT: The date the

accounts displayed in the Accounts

section.

credit cards and fleet cards,

this is the highest amount of
credit used (highest billing)
in the history of the
account. For other account
types it is the loan
sanctioned amount.

most recent account was

established.

OVERDUE: The number of accounts

with overdue balances.

ZERO-BALANCE: The number of

accounts with a zero balance.

BALANCES
entire amount of credit/loan
outstanding, including the
current and overdue portion, if
any, together with interest last
applied for all the accounts. A
negative sign indicates a credit
balance.
OVERDUE: The total overdue

DATE OPENED

OLDEST: The date the

oldest account was

established.
Format for the above dates
is DD-MM-YYYY.

balances for all accounts.

Copyright 2007 All rights reserved

Subject to the Terms of Use and Privacy Policy

Page 2 of 4
November 27, 2007

CIBIL Consumer Credit Information Report

Training Guide

Enquiries
TOTAL

PAST 30 DAYS

PAST 12 MONTHS

PAST 24 MONTHS

RECENT

The number of times the

credit report has been
requested by a credit
grantor.

The number of times the

credit report has been
requested by a credit
grantor within the past
30 days.

The number of times the

credit report has been
requested by a credit
grantor within the past 12
months.

The number of times the

credit report has been
requested by a credit
grantor within the past 24
months.

The date of the most

recent enquiry.
Format is DD-MMYYYY.

Accounts

ACCOUNT

DATES

AMOUNTS

STATUS

MEMBER NAME: Name of the

OPENED: Date the account

SANCTIONED: For credit cards

Status: Options include:

member holding the account. This

field can be suppressed at the
holding members request.

was opened. For credit cards

and fleet cards, this is the date
the card becomes active.
LAST PAYMENT: Date the
last payment was made on the
account.

and fleet cards, this is the highest

amount of credit used (highest
billing) in the history of the
account. For other account types,
it is the loan sanctioned amount

Restructured, Suit filed,

Wilful default, Suit filed
(Wilful Default), Written off,
Suit filed and written off,
Wilful default and written
off, and Suit filed (wilful
default) and written off.

ACCOUNT NUMBER: Account

number. This field can be

suppressed at the holding
members request.
TYPE: Type of account. Values

include: Auto Loan, Housing

Loan, Credit Card, Fleet Card,
Personal Loan, Consumer Loan,
etc.

of the entire amount of

credit/loan outstanding,
including the current and
REPORTED: The most recent
overdue portion, if any, together
date the reporting member
with interest last applied for all
reported information about the
the accounts. A negative sign
account to CIBIL.
indicates a credit balance.
was closed.

OWNERSHIP: Valid values are:

Individual, Authorized User

(refers to supplementary credit
card holder), Guarantor, and Joint.

CURRENT BALANCE: The sum

CLOSED: Date the account

If no suit is filed, this field is

blank.

OVERDUE: Total amount the

Format for the above dates is

DD-MM-YYY.

account is past due.

DAYS PAST DUE / ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

Information on Days Past Due (DPD) or Asset Classification (AC), monthwise, over the history of the account. The leftmost number
/ value (182 in this example) is the DPD or the AC as on the date in the Reported field (December 2004 in this example). An XXX is
inserted for any month for which information is not reported to CIBIL.
Valid values: In case of DPD, a three digit number. In case of AC, STD Standard, SMA Special Mention Account, SUB Substandard, DBT Doubtful, LSS Loss.
Notes: If the account is closed, the leftmost number/value is the DPD/AC as of the Date Closed.
The credit report can display upto 36 months of payment history.

Copyright 2007 All rights reserved

Subject to the Terms of Use and Privacy Policy

Page 3 of 4
November 27, 2007

CIBIL Consumer Credit Information Report

Training Guide

Enquiries

MEMBER

ENQUIRY DATE

ENQUIRY PURPOSE

ENQUIRY AMOUNT

Name of the member that

made the enquiry. This field
can be suppressed at the
enquiring members request.

Date the enquiry was made.

Type of account for which the

enquiry was made.

Amount of credit for which the

enquiry was made.

NOTICE
This report example is only an illustration of the type of information provided on a CIBIL
Consumer Credit Information Report and not all types of information in this example may be
present on any particular CIBIL Consumer Credit Information Report.

2007 TransUnion LLC

All Rights Reserved
No part of this publication may be reproduced or distributed in any form or by any means,
electronic or otherwise, now known or hereafter developed, including, but not limited to, the
Internet, without the explicit prior written consent from TransUnion LLC.
Requests for permission to reproduce or distribute any part of, or all of, this publication should be
mailed to:
Law Department
TransUnion
555 West Adams
Chicago, Illinois 60661
The T logo, TransUnion, and other trademarks, service marks, and logos (the Trademarks) used
in this publication are registered or unregistered Trademarks of TransUnion LLC, or their respective
owners. Trademarks may not be used for any purpose whatsoever without the express written
permission of the Trademark owner.
transunion.com

Copyright 2007 All rights reserved

Subject to the Terms of Use and Privacy Policy

Page 4 of 4
November 27, 2007