FOR ALL OFFICERS WHO ARE WORKING IN LOANS DEPARTMENT:
After extracting CIBIL report of any Applicant/Borrower/Guarantor ,there are number of loan accounts/ credit card/same accounts in borrower as well as guarantor’s capacity/Gurantor‘s detail as Joint holders/ same account multiple times is reflected.
In some accounts there are showing some overdue amount, settled/write off status .
When we ask/seeking clarification from applicant for these, applicant says that he/she don’t know about this or don’t know the bank/financial institution details.
For these accounts applicant has to request to CIBIL for informing lender’s detail.
Now you may also get the details of the same without writing to CIBIL. For these problem, CIBIL has provided , “SELF SERVICE PORTAL” free of cost on home page of website www.cibil.com,
Process to be followed:
1. Click on 1st Option i.e. "Identify the lender name and loan account number of an account on your credit report"
2. Enter the CONTROL NUMBER of CIBIL report extracted/provided by bank, enter captcha image & click on submit.
3. Provide your personal & Identification details in the next page as mentioned in the CIBIL report provided by the Bank & click on submit.
4. Thereafter provide the account details as specified in your report & click on "Submit".
5. A message will be displayed informing details of your account & enquiries requested has been emailed on the email Id provided in the online application form.
AFTER GETTING THIS INFORMATION, APPLICANT PROCEEDS FOR RESOLVING THE ISSUE.
Pl share this information with all officers in your regions
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