By BillCut
Last updated: 1 November 2026
To learn how to read CIBIL report details, go section by section. A CIBIL report has a score, personal information, contact information, employment information, account information and enquiry information. Start with the parts that you can verify yourself, then check the loans and cards listed.
What are the main parts of a CIBIL report?
CIBIL describes six parts in its guide to understanding your score and report. The table below summarises them.
| Section | What it shows | What you can check |
|---|---|---|
| CIBIL score | A three digit number from 300 to 900, based on the accounts and enquiries sections | Whether it matches the history below it |
| Personal information | Name, date of birth, gender and ID numbers such as PAN | Spelling, date of birth, PAN |
| Contact information | Up to four addresses and your phone numbers | Old or unknown addresses |
| Employment information | Income as reported by lenders | Whether the figure looks right |
| Account information | Your credit facilities and their payment record | Every loan and card is yours |
| Enquiry information | Each time a lender accessed your report after you applied for credit | Each enquiry matches an application |
How do you read the score?
The score runs from 300 to 900. CIBIL says a score above 700 is generally considered good. A lender can use its own rules, so the score does not decide approval on its own. The number is only a summary. The detail underneath explains why it is where it is.
How do you read the personal, contact and employment sections?
These sections hold identity details. Check them first because wrong identity details can lead to wrong accounts. Look at the addresses and phone numbers too. An address you never lived at is worth a closer look.
The employment section shows income as lenders reported it. If it looks wrong, it may be because a lender entered older details.
How do you read the accounts section?
The CIBIL walk through of accounts and enquiries says this section lists your loans and credit cards, both active and closed. For each one you see these items.
- Lender name and type of credit, such as home, auto, personal loan or credit card
- Account number, ownership, open date and last payment date
- Loan amount or limit and current balance
- Repayment history for up to the past 36 months
- Account status
CIBIL names DPD, or days past due, as a marker lenders use to judge repayment consistency. In simple terms, a number above zero in a month means a payment was late in that month. Check each month against your own bank statements.
What do closed and settled mean?
CIBIL says a lender reports an account as settled when you paid less than the full amount owed under a negotiated arrangement. Full payment is reported as closed. CIBIL explains in its article on settled status that lenders may view settled as a sign of past repayment difficulty.
How do you read the enquiries section?
This lists each time a lender checked your report while handling an application in the last 36 months. Each entry shows the lender name, the date and the type of credit applied for. CIBIL notes that several applications in a short time create multiple hard enquiries and can affect the score, while a single enquiry usually has little effect.
If you see an enquiry for a loan you did not apply for, note the lender and date. That is a reason to raise a dispute.
What is an illustrative way to review your report?
This is an illustrative walk through, not an offer or a promise.
- Confirm your name, PAN and date of birth.
- Count your accounts and compare with the loans and cards you know.
- For each live account, scan the last 12 months of payment history.
- Match each enquiry to an application you remember.
- Write down anything unfamiliar to raise with CIBIL or the lender.
Our guides on missing loans in a credit report and one missed EMI versus a few days late go deeper on two common questions.
Where do you get the report?
CIBIL provides one free score and report each calendar year, as stated on its free CIBIL score page. If several dues are making the report hard to read and harder to manage, you can Check your options with BillCut. For habits that affect the score, see top ways to improve your CIBIL score and the value of reviewing your credit report.
How BillCut can help
BillCut is a balance transfer and debt reduction platform. It works with lending partners to help eligible borrowers move high interest dues, such as credit card balances and personal loan EMIs, into one structured EMI. BillCut earns from helping borrowers refinance, so it has an interest in this option. Approval and terms depend on the partner lender.
Frequently asked questions
What is the first thing to check in a CIBIL report?
Check your name, PAN and date of birth. Wrong identity details can mean wrong accounts.
What is DPD in a credit report?
DPD means days past due. CIBIL describes it as a marker lenders use to judge how consistently you repay.
How far back does repayment history go?
CIBIL says the accounts section shows repayment history for up to the past 36 months.
What is the difference between settled and closed?
Closed means the full balance was paid. Settled means the lender accepted less than the full amount, as CIBIL explains.
Do enquiries lower my score?
CIBIL says many applications in a short time can affect the score, and a single enquiry usually has little effect.
Why does my report show an account I do not recognise?
It could be an error or a case of misused identity. Note the details and raise a dispute with CIBIL.
Is the report free?
CIBIL states you can get one free score and report each calendar year.
Disclaimer: This post is general information, not legal or financial advice. Report layouts can change, so refer to the official CIBIL pages for current details.
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