A score is generated according to the information taken from customer's CIR. The report has details of your credit payments over loans and other institutions over a period. The CIBIL report does not consist of data about investments, fixed deposits etc. It contains the following:
This type of report is based on individuals and has their credit history drawn statistically in form of credit score. The CIR is main document, which lending institutions have a look at before considering credit or loan application. It contains several sections that tell about the applicant's credit history:
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