A Credit Report (also known as CIR i.e. Credit Information Report) is a record of your credit history. It may include information on applications for credit that you have made in the past as well as information relating to your history of repaying credit card debts, personal loans and mortgages. It does not store information of your savings, investments or fixed deposits.

These reports are built using information provided by credit providers.


Credit Report has information of the individual’s Loan accounts over a period of time. A credit score is a statistical number that depicts a person's creditworthiness. A credit score plays a key role in a lender's decision to offer credit. The Equifax credit score ranges from 300 to 900 points. The higher the score, the more financially trustworthy a person is considered to be. Can you explain the various terms in the Credit Report?

Kindly refer to the Glossary at the bottom of the Credit Report.


The Score Simulator is a tool that enables you to simulate different credit behaviors on your Credit Report and thus its impact on Equifax score. This feature is designed to help you understand how various credit behaviors can affect your existing Equifax Score thus empowering you to take informed decisions.

Users can avail Credit Report and subscription by doing one-time user registration.

User can subscribe by doing online payment.

Subscription option enables user to pull multiple Credit Report as per subscription and enables user to simulate score using score simulator.


A Guarantor on any form of loan is equally responsible to ensure the repayment of the loan. Any late payments made by the primary account holder will reflect on the Guarantor’s report and will also impact his credit score.

While all credit bureaus have the same score range of 300-900, it is likely that an individual will have different scores in each Bureau. This is on account of the fact that each Bureau uses their proprietary scoring model to develop a credit score. The good news is that lenders typically have different score cut offs depending on which Bureau is providing the Score - the intent is to make the correct credit decision not base it on just a score. As a user, your focus should be on ensuring that the data reflected on the Credit Report is accurate and there are no underlying issues which impact your loan eligibility.

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We report information as per the details provided by the Institutions in the Data Submission. As per the Credit Information Companies (Regulation) Act, Rules and Regulations framed thereunder (CIC Laws), a bureau cannot modify any information in the database unless they get a confirmation from the Banks/Financial Institutions. In this case we will raise a dispute with the concerned Institutions and will update you once we get a confirmation from them. The turnaround time for disputes is 30 days. Please email us for any dispute on Credit Report to ecissupport@equifax.com

Credit Report number is same as Report Order No provided on the top left of the Credit Report.

You may contact the Financial Institution directly. Please note we cannot make changes to your Credit Report without the confirmation of the respective Institution.

We receive your data from respective institutions. If you need to update your Personal information, please contact your financial institution.

As per RBI regulation, you can avail Full Free Credit Report only once in a calendar year.