CIBIL Consumer Credit

Information Report Training

Guide

August 17, 2015

Version 1.1

 2015 TransUnion LLC

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Table of Contents
Document History ............................................................................................................................... iv
Report Header Information.................................................................................................................. 1
Consumer Information ........................................................................................................................ 1
CIBIL TransUnion Score(s) ................................................................................................................. 2
Identification(s) .................................................................................................................................... 2
Telephone(s) ........................................................................................................................................ 3
Email Contact(s) .................................................................................................................................. 3
Address(es) .......................................................................................................................................... 4
Personal / Enquiry Dispute(s) ............................................................................................................. 4
Employment Information ..................................................................................................................... 5
Summary .............................................................................................................................................. 6
Accounts............................................................................................................................................................... 7
Enquiries .............................................................................................................................................................. 7

Accounts .............................................................................................................................................. 8
Enquiries ............................................................................................................................................ 10
Consumer Dispute Remarks ............................................................................................................. 11

CIBIL CONSUMER CREDIT INFORMATION REPORT TRAINING GUIDE | DOCUMENT HISTORY

Document History
Version

Date of Change

Description

1.1

Aug 17, 2015

Rebranding

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CIBIL CONSUMER CREDIT INFORMATION REPORT TRAINING GUIDE | CONSUMER INFORMATION

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

Report Header Information

CONSUMER: Name

of consumer/borrower.

MEMBER ID: Enquiring

members code assigned

by CIBIL

DATE: Date

of when the report was created.

TIME: Time

stamp of when the report was created.

CONTROL NUMBER: Assigned

Reference number
assigned to the enquiry by the member. (This
field is blank if the member does not supply a
number.)
MEMBER REFERENCE NUMBER:

to the enquiry by the

system.

Consumer Information

NAME: Consumers

name.

DATE OF BIRTH: Consumers

date of birth. Format is

DD-MM-YYYY.

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GENDER: Consumers

gender.

CIBIL CONSUMER CREDIT INFORMATION REPORT TRAINING GUIDE | IDENTIFICATION(S)

CIBIL TransUnion Score(s)

SCORE NAME

SCORE

Name of the
Score
requested.

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.

Identification(s)

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CIBIL CONSUMER CREDIT INFORMATION REPORT TRAINING GUIDE | EMAIL CONTACT(S)

IDENTIFICATION TYPE

IDENTIFICATION NUMBER

ISSUE DATE

EXPIRATION DATE

Type of identification for

Income Tax Number (PAN),
Passport Number, Voter ID
Number, Drivers License
Number, Ration Card
Number, or Universal ID
Number.

Identification number.

Date of Issue for this

identification type.
Format is DD-MMYYYY.

Date of expiration for this

identification type. Format
is DD-MM-YYYY.

(e)

indicates the information

is enriched from enquiry
member.

Telephone(s)

TELEPHONE TYPE

TELEPHONE NUMBER

TELEPHONE EXTENSION

Telephone type for Home Phone,

Mobile Phone, Office Phone, or
Not Classified.

Telephone number.

Extension number..

(e)

indicates the information is

enriched from enquiry member.

Email Contact(s)

EMAIL ADDRESS

Email address.

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CIBIL CONSUMER CREDIT INFORMATION REPORT TRAINING GUIDE | PERSONAL / ENQUIRY DISPUTE(S)

Address(es)

ADDRESS

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.
(e)
indicates the information is enriched from enquiry member.
CATEGORY

RESIDENCE CODE

DATE REPORTED

Address category for Permanent Residence code for Owned or Date the associated address
Address, Residence Address,
Rented.
was first reported.
Office Address or Not
Format is DD-MM-YYYY.
Categorized.

Personal / Enquiry Dispute(s)

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CIBIL CONSUMER CREDIT INFORMATION REPORT TRAINING GUIDE | EMPLOYMENT INFORMATION

PERSONAL / ENQUIRY INFORMATION UNDER DISPUTE: Indicates

which section of the personal / enquiry

information under dispute.

DISPUTE DATE: Date when dispute information is entered. Format is DD-MM-YYYY.

Contains the first dispute remarks.

Contains the second dispute remarks.
DATE ENTERED: Date when dispute remarks are entered. Format is DD-MM-YYYY.
DISPUTE REMARKS:

DISPUTE REMARKS #2:

Contains the CIBIL remarks.

DATE ENTERED: Date when CIBIL remarks are entered. Format is DD-MM-YYYY.
CIBIL REMARKS:

Employment Information

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CIBIL CONSUMER CREDIT INFORMATION REPORT TRAINING GUIDE | SUMMARY

ACCOUNT
TYPE

DATE
REPORTED

OCCUPATION
CODE

Type of
account.
Values
include:
Auto Loan,
Housing
Loan, Credit
Card, Fleet
Card,
Personal
Loan,
Consumer
Loan, etc.

The most
recent date
the reporting
member
reported
information
about the
account to
CIBIL.

Type of occupation.
Values include:
Salaried, Self
Employed
Professional, Self
Employed and
Others.

INCOME
Income
amount if
available.

NET / GROSS
INCOME INDICATOR

MONTHLY / ANNUAL
INCOME INDICATOR

Net / Gross income

indicator if available.
Values include Gross
Income and Net Income.

Monthly / Annual income

indicator if available. Values
include: Monthly and
Annual.

Format is DDMM-YYYY.

EMPLOYMENT INFORMATION UNDER DISPUTE: Indicates

which section of the employment information

under dispute.
DISPUTE DATE: Date when dispute information is entered. Format is DD-MM-YYYY.
Contains the first dispute remarks.
DISPUTE REMARKS #2: Contains the second dispute remarks.
DATE ENTERED: Date when dispute remarks are entered. Format is DD-MM-YYYY.
DISPUTE REMARKS:

CIBIL REMARKS:
DATE ENTERED:

Contains the CIBIL remarks.

Date when CIBIL remarks are entered. Format is DD-MM-YYYY.

Summary

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CIBIL CONSUMER CREDIT INFORMATION REPORT TRAINING GUIDE | SUMMARY

Accounts
ACCOUNTS

ADVANCES

BALANCES

DATE OPENED

TOTAL: The

HIGH CR / SANC. AMT:

CURRENT: The

RECENT: The

total number of
accounts displayed in the
Accounts section.
OVERDUE: The

number of
accounts with overdue
balances.
ZERO-BALANCE: The

number
of accounts with a zero
balance.

For 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.

sum of the
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.

date the
most recent account
was established.
OLDEST: The

date the
oldest account was
established.
Format for the above
dates is DD-MMYYYY.

OVERDUE: The

total
overdue balances for all
accounts.

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.

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CIBIL CONSUMER CREDIT INFORMATION REPORT TRAINING GUIDE | ACCOUNTS

Accounts

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CIBIL CONSUMER CREDIT INFORMATION REPORT TRAINING GUIDE | ACCOUNTS

ACCOUNT
MEMBER NAME: Name

of the

member holding the

account. This field can be
suppressed at the holding
members request.
Account
number. This field can be
suppressed at the holding
members request.
ACCOUNT NUMBER:

TYPE: Type

of account.
Values include: Auto
Loan, Housing Loan,
Credit Card, Fleet Card,
Personal Loan,
Consumer Loan, etc.
OWNERSHIP: Valid

DATES

AMOUNTS

STATUS

OPENED: Date

the
account 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.

SANCTIONED: For

Status:

CLOSED: Date

CURRENT BALANCE: The

the
account was closed.
REPORTED: The

most
recent date the
reporting member
reported information
about the account to
CIBIL.

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

Options
include:
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.

sum of the entire

amount of credit/loan
If no suit is filed, this
outstanding, including
field is blank.
the current and overdue
portion, if any, together
with interest last applied
for all the accounts. A
negative sign indicates
a credit balance.

values
are: Individual, Authorized
User
(refers to supplementary
Format for the above OVERDUE: Total amount
credit card holder),
dates is DD-MM-YYY. the account is past due.
Guarantor, and Joint.
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 Sub-standard, DBT Doubtful, LSS Loss.
Notes: The credit report can display upto 36 months of payment history.

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CIBIL CONSUMER CREDIT INFORMATION REPORT TRAINING GUIDE | ENQUIRIES

INFORMATION UNDER DISPUTE: Indicates

DISPUTE DATE:

which section of he account information under dispute.

Date when dispute information is entered. Format is DD-MM-YYYY.

DISPUTE REMARKS:

Contains the first dispute remarks.

DISPUTE REMARKS #2:

Contains the second dispute remarks.

DATE ENTERED:

Date when dispute remarks are entered. Format is DD-MM-YYYY.

CIBIL REMARKS:

Contains the CIBIL remarks.

DATE ENTERED:

Date when CIBIL remarks are entered. Format is DD-MM-YYYY.

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.

Format is DD-MMYYYY.

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CIBIL CONSUMER CREDIT INFORMATION REPORT TRAINING GUIDE | CONSUMER DISPUTE REMARKS

Consumer Dispute Remarks

Date of Last Update.

Consumer dispute remarks.

Format is DD-MMYYYY.

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