Credit informaton Bureau(India)ltd. (Cibil), the agency gathering data on credit histories of individuals, has now made credit scores available to individuals for a fee of Rs 450 per request.An individual's credit score would be a three-digit-numeric summary of his credit history for the last three years, and this would be rated on a scale of 300-900.
The higher an individual's score, the better would be his chances of securing a loan. Banks have, for the last two years, used this data as an important factor in deciding on whether to approve or reject a loan.
Through Cibil's website, individuals can request for their credit scores online. They can also make the payments online,after which , they would have to send proofs of their identity to cibil. The score, alongwith the report, would be delivered to them in 7-10 days. The Cibil is working towards an online authentication system. Once this is done, it would help in delivering scores and reports online. (BS 21042011)
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