Credit Information Report or CIR is collection of past and present credit history based on PAN (Permanent Account Number) and/or AADHAR Number. It provides consolidated summary and details of all credits taken in past and repayment details of the same. It shows all credit inquiries also. It contains Name, PAN, Aadhar, all address details, Mobile Number, E-mail, any default payment, Suite filed etc also. It shows 3-digit credit score ranging between 300 and 900. 300 is worst and 900 is best credit score. Credit score shows credit worthiness of individual. What is the Use of Credit Information Report? Credit Information Report is the track record of taking and repaying of loans from all registered lenders for an individual. It play vital role while applying any type of loan to lenders. Lenders gives preference to those who maintain good credit score. Credit score plays important role in taking credit decisions by lenders like NBFCs, Banks etc. Credit Information Companies There are four
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