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

iv | © 2015 TransUnion LLC All Rights Reserved

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. DATE: Date of when the report was created.

MEMBER ID: Enquiring member’s code assigned TIME: Time stamp of when the report was created.
by CIBIL
CONTROL NUMBER: Assigned to the enquiry by the
MEMBER REFERENCE NUMBER: Reference number system.
assigned to the enquiry by the member. (This
field is blank if the member does not supply a
number.)

Consumer Information

NAME: Consumer’s name.

GENDER: Consumer’s gender.
DATE OF BIRTH: Consumer’s date of birth. Format is
DD-MM-YYYY.

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

CIBIL TransUnion Score(s)

SCORE NAME SCORE SCORING FACTORS

 Reasons why the consumer did not receive the most
Name of the Indicates the
optimal score for a particular factor. Returned only if the
Score Score Value for borrower did not receive the most points possible for a
requested. the consumer. 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 300–900 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 Identification number. Date of Issue for this Date of expiration for this
identification type. identification type. Format
Income Tax Number (PAN), Format is DD-MM- is DD-MM-YYYY.
Passport Number, Voter ID YYYY.
Number, Driver’s License
Number, Ration Card
Number, or Universal ID
Number.
(e)
indicates the information
is enriched from enquiry
member.

Telephone(s)

TELEPHONE TYPE TELEPHONE NUMBER TELEPHONE EXTENSION

Telephone type for Home Phone, Telephone number. Extension number..

Mobile Phone, Office Phone, or

Not Classified.
(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:
 Consumer’s 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.

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.

Employment Information

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CIBIL CONSUMER CREDIT INFORMATION REPORT TRAINING GUIDE | SUMMARY

ACCOUNT DATE OCCUPATION NET / GROSS MONTHLY / ANNUAL

TYPE REPORTED CODE INCOME INCOME INDICATOR INCOME INDICATOR

Type of The most Type of occupation. Income Net / Gross income Monthly / Annual income
Values include: amount if indicator if available. indicator if available. Values
account. recent date Salaried, Self available. Values include Gross include: Monthly and
Values the reporting Employed Income and Net Income. Annual.
Professional, Self
include: member
Employed and
Auto Loan, reported Others.
Housing information
Loan, Credit about the
Card, Fleet account to
Card, CIBIL.
Personal
Format is DD-
Loan,
MM-YYYY.
Consumer
Loan, etc.

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.

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.

Summary

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CIBIL CONSUMER CREDIT INFORMATION REPORT TRAINING GUIDE | SUMMARY

Accounts
ACCOUNTS ADVANCES BALANCES DATE OPENED

TOTAL: Thetotal 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.
HIGH CR / SANC. AMT: CURRENT: The sum of the RECENT: The date the
For credit cards and entire amount of most recent account
fleet cards, this is credit/loan outstanding, was established.
the highest amount including the current
of credit used OLDEST: The date the
and overdue portion, if
(highest billing) in oldest account was
any, together with
the history of the established.
interest last applied for
account. For other all the accounts. A
Format for the above
account types it is negative sign indicates
dates is DD-MM-
the loan sanctioned a credit balance.
YYYY.
amount.
OVERDUE: Thetotal
overdue balances for all
accounts.

Enquiries
TOTAL PAST 30 DAYS PAST 12 MONTHS PAST 24 MONTHS RECENT

The number of The number of The number of The number of The date of the
times the credit times the credit times the credit times the credit most recent
report has been report has been report has been report has been enquiry. Format
requested by a requested by a requested by a requested by a is DD-MM-
credit grantor. credit grantor credit grantor within credit grantor within YYYY.
within the past 30 the past 12 months. the past 24 months.
days.

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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 DATES AMOUNTS STATUS

MEMBER NAME: Name of the
member holding the
account. This field can be
suppressed at the holding
member’s request.
ACCOUNT NUMBER: Account
number. This field can be
suppressed at the holding
member’s request.
TYPE: Type of account.
Values include: Auto
Loan, Housing Loan,
Credit Card, Fleet Card,
Personal Loan,
Consumer Loan, etc.
OWNERSHIP: Valid 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.
OPENED: Date the SANCTIONED: For credit Status: Options
account was opened. cards and fleet cards, include:
For credit cards and this is the highest Restructured, Suit
fleet cards, this is the amount of credit used filed, Wilful default,
date the card (highest billing) in the Suit filed (Wilful
becomes active. LAST history of the account. Default), Written off,
PAYMENT: Date the last For other account types, Suit filed and written
payment was made on it is the loan sanctioned off, Wilful default and
the account. amount written off, and Suit
filed (wilful default)
CLOSED: Datethe CURRENT BALANCE: The
and written off.
account was closed. sum of the entire
amount of credit/loan If no suit is filed, this
REPORTED: The most
outstanding, including field is blank.
recent date the
the current and overdue
reporting member
portion, if any, together
reported information
with interest last applied
about the account to
for all the accounts. A
CIBIL.
negative sign indicates
a credit balance.

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 which section of he account information under dispute.

DISPUTE DATE: 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 member’s
request.
Date the enquiry was Type of account for Amount of credit for
made. which the enquiry was which the enquiry was
made. made.
Format is DD-MM-
YYYY.

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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-MM-
YYYY.

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