A credit report, or credit information report (CIR), is the bureau's account-by-account record of every loan and card in your name — sanctioned amount, balance, status, and the month-by-month repayment record — from which your credit score is computed. You are entitled to one free full report a year from each of the four bureaus.
Each account line shows the lender, type of facility, sanctioned amount, current balance, date opened and closed, and a repayment grid marking days past due for every month. Status flags — current, closed, settled, written-off, suit filed — are what a credit officer scans first.
Errors are common because the data comes from hundreds of lenders: a closed loan still open, a paid balance still due, a namesake's account on your file. A dispute is raised on the bureau's portal; the lender must respond within 30 days, and RBI's framework pays ₹100 per day of delay beyond that once a complaint is escalated.
Pull all four bureaus before a loan. Lenders do not all report to every bureau, and the bank may pull any of them.
Reviewed to the law in force in FY 2026-27. General information, not advice — confirm the position for your facts before acting.
