Various products and financial solutions offered by CIBIL

• CIBIL Locate Plus: One of the challenges lenders may face is keeping updated and accurate contact details on all of their customers. CIBIL Locate Plus leverages CIBIL’s vast and comprehensive information repository to provide you with comprehensive contact information on your customers in a faster and more cost effective fashion.
• CIBIL Detect: CIBIL Detect is the first, centralized repository in India on fraudulent activities. This repository is helping banks and financial institutions to share information on potentially high risk customers, minimize frauds thus improving profitability.
• CIBIL Mortgage Check: To address the need for a strong information-sharing network for controlling and containing defaults and fraudulent transactions in the housing finance industry, CIBIL and TransUnion launched CIBIL Mortgage Check which is India’s first repository of mortgage information.  It contains the centralized electronic database on mortgages in India which will help banks and financial institutions to share and access mortgage information, exercise stronger due diligence, and reduce fraudulent transactions.
• Bureau Credit Characteristics (BCC): Bureau Credit Characteristics is a list of predefined characteristics that summarize various aspects of a customer’s credit information. The set comprises 258 credit characteristics which can be used for model development, data analysis, customer profiling, migration analysis and a variety of other account management analyses.
• CIBIL Market Insights: These reports are designed to provide an overview of the credit market basis geographic, demographic and behavioral borrowing trends. By profiling their customer base across various dimensions, benchmarking their performance with the market and identifying their strengths and weaknesses organizations can take proactive corrective decisions and enhance business growth.
• Consumer Credit Information Report (CIR): This is CIBIL’s core offering based on the vast information database pertaining to individual borrowers. Consumer Credit Information Report (CIR) is a vital tool used by credit grantors at the time of new customer acquisitions.
• Portfolio Review Report: Portfolio Review Report is an extremely effective tool for credit grantors to review the risk associated with their existing portfolio of customers. The report provides the credit grantor with a comprehensive view of their borrower’s credit relationships across multiple lenders.
• CIBIL TransUnion Score: The CIBIL TransUnion Score is India’s first generic score and has become the most trusted indicator for prudent decision making by credit grantors. With the CIBIL TransUnion Score, the credit grantor can effectively predict the likelihood of an applicant becoming more than 91 days delinquent on one or more tradelines over the subsequent 12 months.
• CIBIL TransUnion Personal Loan Score: The CIBIL TransUnion Personal Loan Score is the first and only score for the Indian market to predict the likelihood of an applicant or customer becoming more than 91 days delinquent on a personal or consumer loan over the next 12 months.