Who can access CIRs?
Reports can be accessed by Members on the principle of reciprocity ie only those Members who have provided all their data to CIBIL are permitted to access CIRs. Members can do so only to take valid credit decisions. Disclosure to any other person or entity is prohibited.
Can the borrower obtain his own CIR from CIBIL?
No. However, if a Member has drawn a report on that borrower, a copy of the same can be obtained from the Member.
Can CIBIL provide CIRs to credit providers in other countries?
No. CIBIL will provide credit information reports only to it's Members in India.
Whether Right to Information Act, 2005 is applicable to CIBIL?
No. The reason being that the CIBIL is not a “Public Authority” as defined under Sec 2(h) of the Right to Information Act, 2005.
source:cibil.com
Access To CIBIL Database