CIBIL desk
Free TransUnion CIBIL score and report. Then we read the profile.
The official score lives at TransUnion CIBIL — free once a calendar year, no credit card required for that free report. Monitoring and alerts are on their site. WishON does not issue a CIBIL score. Devraj Kashyap reads the report the way a lender does, then files the loan. There is no AI score and no automated bureau pull on this site.
Opens cibil.com, the official TransUnion CIBIL consumer site. Checking your own score does not lower it.
01
Official report
Free CIBIL Score & Report once a calendar year on TransUnion CIBIL. No WishON login. No credit card for the free pull.
02
Monitoring & alerts
Credit monitoring, alerts, and CIBIL’s own offers sit on cibil.com. Those are TransUnion CIBIL products, not WishON’s. See the tools.
03
WishON reads it
WhatsApp the PDF to 81787 43853. We profile the file — delays, utilisation, enquiries — and match a bank or NBFC. No fee from you.
What the 3-digit number means
CIBIL scores run 300–900. Closer to 900, kinder pricing. The number is one line. Lenders also read payment history, mix, and how many times the bureau was pulled.
750–900
Strong
Private banks usually start here on personal loan.
700–749
Fair
A bank may still file; NBFCs often will.
650–699
Watch
Profile and banking matter more than the number.
300–649
Stressed
Fix the report before a hard enquiry.
Factors
Explore what actually moves the score
TransUnion CIBIL does not publish the formula. Their consumer guide names four things. Click a bar — see the report line, a healthy file versus a stressed one, and how long it takes to move.
Payment history ~30%Credit exposure ~25%Credit type and duration ~25%New credit and enquiries ~20%
On the CIBIL report
Payment history
Account status and DPD (days past due) on every loan and card. Look for STD. Anything else needs a story before we file.
Healthy file
Every live line STD. Zero DPD for the last 36 months.
Stressed file
A 30+ DPD in the last year, or SET / WOF still sitting on the file.
Time to move
A one-time 30-day late eases after 12–24 months of clean pays. Settled and written-off stay visible for years — often for the life of the trade.
What to do
Pay every EMI and the card minimum before the due date. If a delay is already there, clear the overdue and keep the next 12 months clean before we file a fresh personal loan.
STD
Standard — current. This is the only status we want on a live line.
SMA
Special mention — slipping. Fix it before it becomes substandard.
SUB / DBT / LSS
NPA-class. Most private banks will not take unsecured.
SET
Settled. You paid less than due. Treated as a negotiated default.
WOF
Written off. The lender gave up. Hardest unsecured ask.
Not in the 3-digit number
Banks still ask for these. They do not feed the CIBIL algorithm. File an enquiry and we read both — the bureau and the banking.
- Checking your own CIBIL on cibil.com
- Salary, designation, or employer name
- Age, gender, religion, nationality
- A WishON enquiry or this profile read
- Property value (that is for LAP / home, not the score)
Utilisation
How to get revolving credit down
Utilisation is outstanding on cards and overdraft, divided by sanctioned revolving limit. It is not your home-loan principal. The bureau records what the lender reports — usually the statement balance.
Pay before the statement cuts
CIBIL usually sees the statement balance, not what you paid yesterday. If the bill generates on the 15th with ₹1.8 L on a ₹3 L card, that 60% is what the bureau records — even if you clear it on the 16th. Pay 3–4 days before the statement date so the reported figure is already low.
Monitoring
Credit monitoring tools — whose, and for what
Monitoring means alerts when the bureau file changes. WishON does not issue those alerts. TransUnion CIBIL does, on their paid plans. The free annual report is still the one we ask you to send.
Official bureau
TransUnion CIBIL alerts
The product most of our private banks actually pull.
Free: one CIBIL Score & Report per calendar year — no credit card for that pull. Paid plans on cibil.com add CIBIL Alerts (new enquiry, new account, score move), unlimited refreshes, a score simulator, and CIBIL’s own loan offers. WishON does not sell those plans. We send you to TransUnion.
- Catches
- Hard enquiries, new trades, score changes, identity fields — after the lender reports them.
- Misses
- Anything the lender has not yet reported. RBI’s cycle is about 15 days, not live.
What to do
If you want alerts, buy them on cibil.com. If you want a loan read, download the free report and WhatsApp it.
What a good alert actually says
New hard enquiry
Someone pulled your bureau for a loan or card.
New account
A lender reported a fresh loan or card in your name.
Score move
The 3-digit number jumped or dropped on a refresh.
Delinquency
A line slipped from STD toward SMA / SUB.
Identity fields
Address, phone, or employment on the CIR changed.
Alerts fire after the lender reports — not at the moment of fraud. Checking your own score does not lower it.
Official bureau doors
One free report per bureau per calendar year (RBI). Paid monitoring is only on that bureau’s own site.
WishON is not TransUnion CIBIL. We do not bill for monitoring. Dispute errors on the bureau site; we will hold a loan file if you tell us.
Disputes
CIBIL dispute resolution
You dispute the data, not the score. CIBIL cannot change a line without the bank or NBFC that reported it (CICRA 2005). The service is free. WishON cannot file the ticket for you — we will tell you whether it is lag, error, or a genuine late, and we will hold the loan.
01
Pull the official CIR
Free once a year on cibil.com. Screenshot widgets are not enough.
02
Mark the wrong field
Personal, Contact, Employment, Account Details, or Enquiry — one ticket can cover several.
03
Raise it on MyCIBIL
Login → latest report → Raise a Dispute. Free. The line is marked Under Dispute.
04
The lender confirms
CIBIL cannot edit the database without the credit institution. CI: 21 days. CIBIL: 9 days. Thirty calendar days in all (RBI).
05
If it runs over
Compensation framework on cibil.com. Then Nodal Officer, then Principal Nodal Officer — their ladder, not ours.
Should I dispute this?
Desk read
Wait
Paid last week — overdue still shows
Lenders report on a cycle — often 15–30 days. Check Date Reported on that trade. If it is under ~60 days from your payment, this is lag, not an error. Dispute only if Date Reported is older and the payment still is not there.
Official process, escalation, and delay compensation live on TransUnion CIBIL: complaints and escalations · compensation framework. We are not CIBIL. If a line is under dispute, tell us before we pick a lender.
WishON Finserv Solutions is a Direct Selling Agent. We are not TransUnion CIBIL, a credit bureau, or a lender. CIBIL® and TransUnion® are trademarks of their owners. The free annual score and report, monitoring, and alerts are provided by TransUnion CIBIL on their website, subject to their terms. WishON never runs a hard bureau enquiry without your consent at login with a partner lender.