Read your CIBIL report and see what moves your score
A credit report is pages of accounts, codes and month-by-month columns, and one wrong entry can cost you a loan. TellBrief reads your CIBIL, Experian, Equifax or CRIF report and shows the entries that matter: late payments, settled or written-off accounts, high card use and recent enquiries, with what each one means and what you can do about mistakes.
How to do it
- Download your free credit report from the bureau's website (you can get one free full report a year from each bureau).
- Add the PDF to TellBrief and tap Brief.
- See the accounts and entries that pull your score down.
- If an entry is wrong, raise a dispute on the bureau's website with the details TellBrief lists.
What TellBrief tells you
- Every account with a late payment, and how late
- Settled or written-off accounts, which hurt the most
- How much of your credit card limit you use
- The lenders that checked your report recently
Words you'll see
- Credit score
- A number from 300 to 900. Lenders usually prefer 750 or above.
- DPD
- Days past due: how late a payment was that month. 000 means on time.
- Settled
- The loan was closed by paying less than owed. Lenders see it as a warning sign.
- Written off
- The lender gave up collecting the dues. One of the most damaging entries.
- Enquiry
- A lender checked your report because you applied for credit. Many in a short time can lower the score.
- Credit utilisation
- How much of your card limit you use. Keeping it under about 30% helps.
Questions
Does checking my own report lower my score?
No. Checking your own report is a soft enquiry. Only lenders' checks for new credit count.
How do I fix a wrong entry?
Raise a dispute on the bureau's website. The bureau checks with the lender and must resolve it within 30 days.
How long does a late payment stay?
Entries usually stay on the report for several years, but recent on-time payments matter more for the score.
Is my report private?
Yes. It is stored privately for your account only, and you can delete it any time.
More guides
- Understand your traffic e-challanGot a traffic e-challan? See the offence, the section, the fine, the photo evidence and how to pay or contest it on the Parivahan or state police portal.
- Understand your electricity bill line by lineWhy is your bijli bill so high? See units used, fixed and energy charges, fuel adjustment, taxes, arrears and the due date, in English, Hindi or Hinglish.
- Read your EPF passbook and check every monthRead your EPF passbook: your share, the employer's share, the pension (EPS) part, interest and transfers, and spot a month your employer missed.
General information, not legal, medical or financial advice.
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