CIBIL primarily gets data from its Members (Banking/Non-banking Credit Grantors) only and at a subsequent stage will supplement it with public domain information in order to create a truly comprehensive snapshot of an entity’s financial track record.
CIBIL keeps credit database(history/information report) of both commercial and consumer segments.
According to Cibil.com, The CIR includes the following information:
- Basic borrower information like:
Name
AddressIn case of individuals:
Identification numbers
Passport ID
Voters ID
DateofBirth In case of non-individuals
D-U-N-S® Number
Registration Number Legal Constitution - Records of all the credit facilities availed by the borrower
- Past payment history
- Amount overdue
- Number of inquiries made on that borrower, by different Members
- Suit-filed status.
source: cibil.com