Therefore prudent credit management and financial discipline is a must to ensure a good credit history. Financial advisors suggest people to review their credit reports on a quarterly basis. To review your credit report you can now access your Credit Information Report (CIR) directly from CIBIL. Your CIBIL CIR is a factual record of your loan payment history compiled from information received from credit lenders. This will help in faster processing of your credit applications to help provide you speedier access to credit at better terms.