A CIBIL report (Credit Information Bureau India Limited) is a detailed document that contains your credit history and credit score. It is one of the most important factors lenders consider when evaluating your loan or credit card applications. Here's what a CIBIL report typically includes:

1. CIBIL Score

• A three-digit numeric summary of your credit history, ranging from 300 to 900. A score above 750 is generally considered good.

2. Personal Information

• Name, Date of Birth, Gender, PAN, and Contact Information.

3. Employment Information

• Details about your employment, such as occupation, income, and employer's name.

4. Account Information

• A summary of all your credit accounts, including credit cards, personal loans, home loans, auto loans, etc.

• Each account's details such as the date opened, loan amount, current balance, and payment history.

5. Enquiries

• A record of all the enquiries made by lenders when you apply for credit.

• Multiple inquiries in a short period may negatively impact your score.

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