CIBIL Login & Registration – Step-by-Step Process Guide

Tracking your CIBIL score is essential when you are planning on applying for a loan to meet your financial needs. For this, you can visit the official website and your CIBIL login credentials to view the score. Go through this blog to learn more about how to check your credit score.

How to Check the CIBIL Score?

Now that the importance of CIBIL is clear, let's go over how to check the score. You can register yourself on the official CIBIL website (https://cibil.com/) and go through the CIBIL consumer login to get to the score. 

CIBIL Login Registration

If you're new to CIBIL and don't have a login credential yet, you'll need to register first. Here are the steps you need to follow:

• Step 1: Go to the official CIBIL website.
• Step 2: Scroll below and select the CIBIL subscription features as per your choice.
• Step 3: Select the ‘Get Started’ button and provide the required details like phone number, PIN code, etc.
• Step 4: Click on the ‘Accept and Continue’ button.
• Step 5: Next, ‘Verify your Identity’ and complete the payment process. 

After payment completion, you can log in to the account to check your CIBIL report. Remember to keep a note of your login credentials and password.

Types of CIBIL Login

There are different login options available depending on whether you're a consumer, a member, or a commercial entity. Here’s a glance at each one of the customer-type logins.

CIBIL Consumer Login

If you want to access the CIBIL Consumer Login to get your credit score, you can follow these steps:

• Step 1: Visit the CIBIL website and click on 'Login' at the top right corner of the page.
• Step 2: On the login page, click on 'CIBIL Consumer Login.'
• Step 3: Enter your login credentials (username and password) and click on 'Login.'
• Step 4: Once you're logged in, you'll be able to view your credit report and score. Make sure to review your credit report for any errors or discrepancies and get them resolved if necessary.

CIBIL Member Login

If you're a member of CIBIL, such as a bank or an NBFC, you'll need to log in to the CIBIL Member Portal to access credit reports and other information. This can also be identified as a partner login. Here are the steps to follow:

• Step 1: Visit the CIBIL website and click on 'Login' at the top right corner of the page.
• Step 2: On the login page, click on 'CIBIL Member Login.'
• Step 3: Enter your login credentials (username and password) and click on 'Login.'
• Step 4: Once you're logged in, you'll be able to access credit reports and other information on individuals and companies.

CIBIL Score Login

If you're interested in just accessing your CIBIL score, you can do so by logging in to the CIBIL Score Portal. Here are the steps to follow:

• Step 1: Visit the CIBIL website and click on 'Login' right at the centre of the page.
• Step 2: On the login page, click on 'CIBIL Score Login.'
• Step 3: Enter your login credentials (username and password) and click on 'Login.'
• Step 4: Once you're logged in, you'll be able to view your CIBIL score.

CIBIL Commercial Login

If you're a commercial entity, such as a business or an organization, you'll need to log in to the CIBIL Commercial Portal to access credit-related information on other businesses. Here are the steps to follow:

• Step 1: Visit the CIBIL website and click on 'Login' at the top right corner of the page.
• Step 2: On the login page, click on 'CIBIL Commercial Login.'
• Step 3: Enter your login credentials (username and password) and click on 'Login.'
• Step 4: Once you're logged in, you'll be able to access credit-related information on other businesses.

ALSO READ :- How to Rectify CIBIL Report Mistakes?

KYC Documents Required for CIBIL Login and Registration

The KYC documents required for CIBIL login vary for individuals and companies.
KYC Documents Required for Individuals
Here is a list of KYC documents individuals have to submit to check their CIBIL score:

• Proof of Identity - Aadhar card, PAN card, passport, Voter ID card and driving licence.
• Proof of Address - Bank statements, telephone bills and electric bills.

KYC Documents Required for Companies
The companies are only required to submit address proofs to check their CIBIL score. Here is a list of KYC documents that you have to submit:

• Bank statements
• Electric bills
• Telephone bills
• Other additional documents of the company

How to Upload KYC Documents for CIBIL Login?

Follow the below-mentioned step-by-step procedure to upload KYC documents for CIBIL login:

• Step 1: Visit the official portal of the KYC.
• Step 2: Enter the required details and ensure that these details match with the details that you have provided during the registration process.
• Step 3: Select the identity proof and address proof document and upload it. You can skip this step if you are uploading the KYC documents for business purposes.
• Step 4: Click on the ‘Submit’ button. 

How is Credit Score Impacted? 

When you log in to your CIBIL portal to check your credit score, it is termed as a ‘Soft enquiry’. Hence, it will not leave any notable impact on your CIBIL score. However, if a lender checks your CIBIL score, it is referred to as a ‘hard enquiry’. Remember, repeated hard enquiries can negatively impact your credit score. So, apply for a credit card or a loan only when you meet the eligibility criteria, and you need funds.

How Can I Check My Free CIBIL Score Online?  

Here are the steps you need to follow to check your free CIBIL score online:

• Step 1: Go to the CIBIL score checker website.
• Step 2: Choose your employment type and gender.
• Step 3: Provide your details like the full name, email ID, PAN card number, etc.
• Step 4: Agree with the terms and conditions. Click on the ‘Submit’ button.

You will be able to view your CIBIL score report.

To Conclude

Maintaining a good credit score is crucial in today's fast-paced world, where credit and lending play a vital role in supporting our modern lifestyle. Therefore, to keep track of your CIBIL score register on the official CIBIL website. Use the CIBIL login credentials to monitor your score. You can also use Poonawalla Fincorp’s free CIBIL score checker to know your credit score instantly.

Frequently Asked Questions About CIBIL Login/Report

1.    What are the different types of CIBIL reports available?
CIBIL issues two types of reports. First is the Credit Information Reports for individuals, detailing personal and credit-related information with a credit score. Second is the Company Credit Reports for businesses, providing past payment history and a score ranging from 1 to 10.
2.    Why am I not able to see my CIBIL score?
If you cannot view your CIBIL score, it is likely because you have already used the free annual access to your credit report. To see it again, you will need to subscribe and pay a minimal fee.
3.    How do I remove 'settled' from my CIBIL record?
To eliminate the ‘Settled’ status from your CIBIL record, settle your outstanding loan or credit card dues, and get a No Objection Certificate (NOC) from the lender. Then file a dispute on the CIBIL website.