How to Interpret Your CIBIL Credit Report?

This article explains the information in your CIBIL report. CIBIL report not only includes your demographic and identity information but also contains the details about all the loans that you have availed from different banks.
This article explains your CIBIL credit report in a chronological order:
Section 1 :  Report Header Information
On the top left hand side:
  1. Consumer name
  2. Member ID
  3. Member Reference number
 On the top right hand side:
  1. Date
  2. Time
  3. Control number. This is a nine-digit number that will be used in all further communication.
Section 2:  Consumer/Borrower Information
This has the all the information on the consumer, i.e. You.
  1. Name
  2. Date of birth
  3. Gender
  4. Telephone numbers
  5. Identification (Income tax ID, passport no, Voter ID)
  6. Addresses. The last known four addresses of the consumers are given here. This has a date reported section as well. The date reported is the date when the address was reported.
Section 3:  Summary 
This is a brief summary of the number of account types, number of accounts, advances, balances and the dates on which the accounts were opened.
Under Accounts there are four sub-sections:
  1. Accounts: This shows the total number of accounts that you have. It also has details on the number of accounts with overdue balances and the number of accounts with zero-balance.
  2. Advances: For credit cards, it shows the maximum amount of money (highest bill) that has been swiped on a card. For other loans, it's the sanctioned loan amount.
  3. Balances: The amount that is still due to the bank/credit card company/lending institution. It also shows the amount that is overdue.
  4. Date Opened: The date for which the most recent was established as well as the date for the oldest account.
This is a summary of the kind of enquiries, number of enquiries, and the dates on which the enquiries were made.
Section 4: Details
This section contains detailed reports on all the accounts and enquiries.
These are the following sub-sections under accounts:
Account: This contains the following:
  1. Name of the member (lending institution).
  2. Account number
  3. Type of account (auto loan, home loan, education loan etc.)
  4. Ownership (individual, guarantor or joint)
  1. Date opened
  2. Last payment (date the last payment was made)
  3. Date the account was closed
  4. Date the closing was reported
  1. Amount sanctioned/highest billing
  2. Current balance
  3. Amount overdue
The option include suit filed, wilful default, written off etc.
Days Past Due:
Number of days since the last payment has been due. It functions from left to right.
It shows the number of days that you have been late on your payment. The most recent month will be the first entry. For example if you haven't paid your EMI for your auto loan for five months, the entry will be as follows:

DPD                            150      120      90        60        30        00        00       
Payment date              06-12   05-12   04-12   03-12   02-12   01-12   12-11
This means on June 2012, you hadn't paid your EMIs for five months or 150 days. You started defaulting in February 2012 and haven't stopped since.

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