CIBIL does not confer any entity/individual as defaulter. It only gives an idea about the actual credit status of the borrower. Whether an individual is to be considered a defaulter is entirely at the discretion of the concerned bank.

Borrowers can access a copy of Credit Information Report (CIR) by sending a demand draft of Rs 142/- to CIBIL along with the respective control number from the bank. The payment can also be made online. For more details, kindly refer to www.cibil.com

The following documents are required in the process:

• CIR Request Form

• Identity Proof (PAN/Passport/Voter's ID)

• Address Proof ( Bank Statement/Electricity Bill/Telephone Bill)

In case bank refuses to provide control number, then a complaint can be filed on the website of the bank. In case the bank does not respond to the complaint within 15 days then the individual can lodge a complaint with the banking ombudsman along with a copy of the complaint filed at the bank's website as proof.

It is to be noted that a direct complaint to banking ombudsman without registering it with the bank will be considered as invalid and not be entertained.

In case a person has cleared his dues with the bank and the same has not been updated with CIBIL, the above mentioned process is to be followed by the person along with obtaining a no objection certificate (NOC) from the bank.