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CIBIL which stands for Credit Information Bureau (India) Limited, is an ISO 27001:2005 company. A first of its kind, it is India’s premier Credit Information Company (CIC). Founded in the year 2000, it has established itself as a key participant of the Indian financial system. The company records credit related information of individuals as submitted by registered member institutions. CIBIL works in association with TransUnion International Inc. and Dun and Bradstreet.

CIBIL has two major segments viz. the Consumer Bureau and the Commercial Bureau. The Consumer Bureau maintains credit records of individuals while the Commercial Bureau maintains credit records of institutions/companies.

Whether it is to help loan providers manage their business or help consumers secure credit faster and at better terms, the use of CIBIL’s products have led to a massive change in the way the credit life cycle is managed by both loan providers and consumers.
The CIBIL amasses and maintains records of an individual’s payments pertinent to his loans and credit cards. The registered member banks and credit institutions submit client records on a monthly basis to the CIBIL. This data-rich information is used to create Credit Reports and Credit Scores- arrived at by applying a complex mathematical algorithm to an individual’s borrowing and payment patterns.

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