CIBIL Score is a three-digit numeric summary of your credit history. The score is derived using the credit history found in the CIBIL Report (also known as CIR i.e Credit Information Report). A CIR is an individual’s credit payment history across loan types and credit institutions over a period of time. A CIR does not contain details of your savings, investments or fixed deposits.
A CIBIL Report has detailed information on the credit you have availed, such as home loan, automobile loan, credit card, personal loan, overdraft facilities. You can download the
understand your cir document here for your ready reference. You can also watch tutorial which will explain the various details of CIBIL Report. Below are the key sections of the CIBIL Report