A Credit Information Report or CIR plays a key role in the lender’s decision when you apply for credit. It is therefore important to monitor it on a regular basis to ensure that the credit information report is up-to- date and to check for any inaccuracies in your CIR. Your credit score and Credit Information Report is a measure of your credit worthiness.Your Credit Information Report contains details of your credit history and track record in taking and repaying loans from banks and NBFC’s. Credit Bureaus like CIBIL, Equifax and Experian consolidate every individual’s borrowings, credit history sourced from different member credit institutions such as banks and other NBFC’s into a single report called as CIR. Availing a loan based on the credit information reports is a complex process for the most of the customers who needed timely funds in our locality. To have a better support and to face such situation in much easier way by the customers, company has associated with TransUnion CIBIL Limited .Cibil Credit Information Services is a credit information company based in Mumbai. It keeps a record of loan repayment history on credit facilities extended to an individual across the board. The service helps lenders to analysis the risk profile of individuals before extending credit. This can also help keep nonperforming loans in check.