You can apply for your CIR online

I have the following queries regarding credit information report (CIR). How can one apply online to get a CIR report? What are the fees to get it, also can we pay it through credit cards? Is there any documentation required?
— Rohit Gosavi
You can get a CIR by sending a request to Credit Information Bureau of India Limited (Cibil) in writing or you can request for a report online. Log on to the Cibil website and fill up the form. You can also pay the charges online. However, you need to take a print, attach your identification and address proof, so that Cibil can establish your identity.

The fee for getting a CIR is Rs142; the amount can be paid via demand draft also. If you are keen to know your credit score, then the charges are Rs450. You will get your CIR along with credit score. The report will be sent to you at your address. It will not be sent online for secrecy reasons.

The writer is chief counsellor,Abhay Credit Counselling, a trust sponsored by Bank of India. He will answer credit card and loan queries and can be reached at dnadebtqueries@gmail.com