Credit Health Report

Get a detailed understanding of your credit history, learn

about the factors that affect your CIBIL Score, and see how
you can manage your credit health like a pro!

Last refresh date: 26 October 2023

 Credit Score
Your CIBIL Score ranges between 300 and 900. A score of 700 or
higher can help you get better terms on loans and cards.

Personal Details
This includes your name, date of birth, PAN, Aadhaar, and other
details.

Credit Factors
The factors that affect your CIBIL Score such as repayment history,
credit utilisation, credit enquiries and more.

Account Summary
This offers an overview of all your loans and credit cards. It contains
the details of the lending institutions, account details, and more.

Credit Enquiry
An overview of all your credit enquiries – typically made by financial
institutions.

Do’s and Don’ts

The things you need to keep in mind to build a good credit history.
This will help you improve and maintain a good credit profile.
 Your credit score is Great
Congratulations, your credit score helps you get loan approval
778 with ease.

Lenders use credit scores to assess an individual's creditworthiness when considering loan
applications. A good credit score improves the chances of loan approvals at lower interest
rates, while a poor score may result in loan rejections or high-interest rates. It's crucial to
maintain a good credit score by paying debts on time, limiting credit utilisation, and not
applying for too much credit too frequently.

Trends
This chart helps you understand how your credit score has changed over time.

778 →

/900
0 Points

The details in the report are derived “as is" from the CIBIL Report
< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >
 Personal details
Name Date of birth Gender
GURPREET SINGH 10/07/1976 Male
Identification type PAN
Income Tax ID Number XXXXXX204D
(PAN)

Contact information

Address 1
RAVINDER WATCH CO MAIN RAILWAY ROAD, DORAHA, LUDHIANA, PUNJAB, LUDHIANA
Category Status Date Reported
Office - 02/02/2023
Address 1
HOUSE NUMBER 1529/4 WARD NUMBER 8 STREET NUMBER 6 DASHMESH NAGAR DORAHA
LUDHIANA LUDHIANA
Category Status Date Reported
Permanent Owned 28/02/2019

The details in the report are derived “as is" from the CIBIL Report
< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >
 Contact information

Telephone number Telephone number Extension

type
Not Classified 09781224746 -
Email contact

The details in the report are derived “as is" from the CIBIL Report
< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >
Credit Factors
Your credit score is impacted by these factors

Repayment History GOOD Credit Card Utilisation GOOD

Record of all your past and present payments Percentage of credit utilised from the total credit
made to your lenders card amount extended by your lenders.
"You have made 100% payments on time (→ 0% “You have utilised 11% amount of your total credit
change from last score refresh)" card limit (→ 0% change from last score refresh)”
On time payments Total payments Utilised limit Total credit card limit
79 79 Rs. 22,797 Rs. 2,05,000

Types Of Credit BAD Length Of Credit History GOOD

Refers to the different accounts for credit cards Refers to the age of your oldest and newest
and loans and their nature whether secured or accounts to determine the average credit age
unsecured. “Your oldest account is 160 months old (→ 0%
“Your secured loans to total loans ratio is 0% (→ 0% change from last score refresh)”
change from last score refresh)”
Secured loan balance Unsecured loan balance Oldest account Newest account
- Rs. 2,65,173 160 months 10 months

Credit Enquiries GOOD

Every time a lender checks your credit score after

you apply for a loan or credit card
“There have been 2 enquiries on your PAN (→ 0%
change from last score refresh)”
Total enquiries till Enquiries in past 3
date months
2 -

The CIBIL Score essentially helps lenders decide whether you should be given a loan. It is
important to understand the factors that influence your score to ensure that you have a good
score that will help you access funds when you need them. For example, your CIBIL Score
increases once you successfully clear an existing loan and decreases when you make a large
number of loan enquiries.

The details in the report are derived “as is" from the CIBIL Report
< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >
Account Summary
View all your loans and credit cards summary in one place.

Good Account Bad Account

Indicates that you have Indicates that you may
made all your EMIs on time. have missed a few EMIs.

Credit card
Timely payments and responsible credit card usage can positively impact your credit report.
Personal Loan
Applying for multiple personal loans within a short timeframe may raise concerns among lenders.
Auto Loan
Co-signing an auto loan for someone else can impact your credit report. If the primary borrower
misses payments, it can negatively affect your credit standing.
Home Loan
A home loan with a low debt-to-income ratio can positively impact your credit report.
Other Loan
A diverse credit mix that includes various types of loans can benefit your credit report.

The details in the report are derived “as is" from the CIBIL Report
< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >
Detailed Account Summary
ACTIVE
Personal Loan | PNB
Sanctioned loan amount: Rs. 3,00,000 Ownership: Individual
Date of last payment: 18/10/2023

Account Details:
Type of account Account number Sanctioned loan amount
Personal Loan 05976771000455 Rs. 3,00,000
Current balance Cash limit Amount overdue
Rs. 2,42,376 - -
Rate of interest Repayment tenure EMI amount
10 176 Rs. 2,964
Payment frequency Type of collateral Value of collateral
Monthly Property Rs. 13,00,000
Date opened Date closed Date reported
22/10/2019 - 20/10/2023
Payment start date Payment end date Date of last payment
01/11/2020 01/10/2023 18/10/2023

Payment Status
Year/ Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan
Month
2023 --- ---

2022

2021

2020 --- --- --- --- --- --- --- --- --- ---

The details in the report are derived “as is" from the CIBIL Report
< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >
Detailed Account Summary
ACTIVE
Credit Card | SBI CARD
Sanctioned loan amount: Rs. 17,036 Ownership: Individual
Date of last payment: 23/08/2023

Account Details:
Type of account Account number Sanctioned loan amount
Credit Card 0004726428886619962 Rs. 17,036
Current balance Cash limit Amount overdue
Rs. 13,233 Rs. 21,000 -
Rate of interest Repayment tenure EMI amount
- - -
Payment frequency Type of collateral Value of collateral
Monthly -
Date opened Date closed Date reported
12/12/2022 - 03/10/2023
Payment start date Payment end date Date of last payment
01/02/2023 01/10/2023 23/08/2023

Payment Status
Year/ Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan
Month
2023 --- --- ---

The details in the report are derived “as is" from the CIBIL Report
< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >
Detailed Account Summary
ACTIVE
Credit Card | HDFC BANK
Sanctioned loan amount: Rs. 55,028 Ownership: Individual
Date of last payment: 08/09/2023

Account Details:
Type of account Account number Sanctioned loan amount
Credit Card 0001016230015254157 Rs. 55,028
Current balance Cash limit Amount overdue
Rs. 9,564 - -
Rate of interest Repayment tenure EMI amount
- - -
Payment frequency Type of collateral Value of collateral
-
Date opened Date closed Date reported
21/09/2021 - 30/09/2023
Payment start date Payment end date Date of last payment
01/09/2021 01/09/2023 08/09/2023

Payment Status
Year/ Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan
Month
2023 --- --- ---

2022

2021 --- --- --- --- --- --- --- ---

The details in the report are derived “as is" from the CIBIL Report
< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >
Detailed Account Summary
CLOSED
Housing Loan | PNB
Sanctioned loan amount: Rs. 2,00,000 Ownership: Individual
Date of last payment: -

Account Details:
Type of account Account number Sanctioned loan amount
Housing Loan 05976011000399 Rs. 2,00,000
Current balance Cash limit Amount overdue
- - -
Rate of interest Repayment tenure EMI amount
8 61 Rs. 2,884
Payment frequency Type of collateral Value of collateral
Monthly -
Date opened Date closed Date reported
26/06/2010 24/10/2019 31/10/2019
Payment start date Payment end date Date of last payment
01/02/2019 01/10/2019 -

Payment Status
Year/ Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan
Month
2019 --- --- ---

The details in the report are derived “as is" from the CIBIL Report
< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >
Dos & Dont’s to improve your CIBIL score

Do’s Dont’s

Pay your bills on time: Make sure to pay your Don't apply for too much credit at once: Avoid
credit card bills and loan EMIs on time. This is applying for too many loans or credit cards at
the most important factor that affects your the same time. This can make you look credit
CIBIL Score. hungry and can negatively affect your CIBIL
Score.

Check your credit report regularly: Check your Don't default on your payments: Missing
credit report regularly and ensure that all the payments or defaulting on your loans can
information on it is correct. If you find any have a severe impact on your CIBIL Score.
discrepancies, report them to the credit
bureau immediately.

Keep your credit utilisation low: Try to keep Don't close old credit accounts: Closing old
your credit utilisation ratio below 30%. This credit accounts can reduce the length of your
means that you should not use more than credit history, which can negatively impact
30% of your credit limit. your CIBIL Score.

Diversify your credit portfolio: Having a mix of Don't exceed your credit limit: Try not to
different types of credit, such as a credit exceed your credit limit, as this can show that
card, a personal loan, and a home loan can you are unable to manage your finances.
improve your CIBIL Score.

Maintain a long credit history: The longer your Don't ignore your credit report: Ignoring your
credit history, the better it is for your CIBIL credit report can lead to errors or fraud going
Score. So, avoid closing old credit accounts, unnoticed, which can negatively impact your
as they add to your credit history. CIBIL Score.

Set up automatic payments: Setting up Don't co-sign for loans: Co-signing for
automatic payments for your bills and loans someone else's loan can negatively affect
will ensure that you don't miss any payments. your CIBIL Score if they default on the loan.

The details in the report are derived “as is" from the CIBIL Report
< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >
 Credit Enquiry Information
Member name Date of enquiry Enquiry purpose Enquiry amount
SBI CARD 05/11/2022 Credit Card 100
HDFC BANK 21/09/2021 Credit Card 1,000

End of Credit Health Report

Disclaimer: "All information contained in this credit report has been collated by TransUnion CIBIL Limited (TU
CIBIL) based on information provided/ submitted by its various members("Members"), as part of periodic data
submission and Members are required to ensure accuracy, completeness and veracity of the information
submitted. The credit report is generated using the proprietary search and match logic of TU CIBIL. TU CIBIL
uses its best efforts to ensure accuracy, completeness and veracity of the information contained in the
Report and shall only be liable and / or responsible if any discrepancies are directly attributable to TU CIBIL.
The use of this report is governed by the terms and conditions of the Operating Rules for TU CIBIL and its
Members."

The details in the report are derived “as is" from the CIBIL Report
< Credit Score Personal Details Credit Factors Account Summary Do's and Don'ts Credit Enquiry >