Rakshith Rakshith has 9 accounts reported on his CIBIL credit report, including 2 active personal loans with current balances of Rs. 16,464 and Rs. 12,883. He has a low CIBIL CreditVision score of 649 and Personal Loan score of 515, due to factors like presence of delinquency and low credit age. His credit report shows a history of multiple personal loans taken and closed between October 2021-August 2022.

1. CONSOLIDATED CONSUMER CREDIT REPORT
BureauLink Ref#: 17086934
Application ID: RLMS
Date of Request 03-10-2022 04:13:45
Date of Issue 03-10-2022 04:14:22
INQUIRY INPUT INFORMATION
Name: RAKSHITH RAKSHITH DOB/Age: 26-12-1999 Gender : Male
Father: Spouse: Mother:
Phone Number(s) :
7022063673 ID(s): DCWPR3140F[PAN] Email ID(s): VCTARUN9@GMAIL.COM
Address(es)
Permanent : MANDEKARA COLONY 1310/1, KOMBARU, SUNKADA KATTE POST, PUTTUR, DAKSHINA Karnataka 574230
Residence :
Office :
BUREAU RESPONSES SUMMARY
Bureau Control Ref Status Error
CIBIL 631043342 SUCCESS
CREDIT SCORE
Bureau SCORE NAME RANGE SCORE SCORING FACTORS(Upto 4 only)
CIBIL CreditVision Score 300-900 00649
1. PRESENCE OF DELINQUENCY
2. PRESENCE OF DELINQUENCY IN THE RECENT PAST
3. PRESENCE OF SEVERE DELINQUENCY AS OF RECENT UPDATE
4. LOW CREDIT AGE
CIBIL Personal Loan Score 300-900 00515
1. Over due amount too high
2. Presence of delinquency
3. Not enough available credit
4. Presence of a minor delinquency on personal loan
ACCOUNT SUMMARY
Tip: Current Balance & Sanctioned Amount is considered ONLY for ACTIVE accounts.
NUMBER OF ACCOUNT(S) & INQUIRIES
Bureau
TOTAL
ACCOUNT(S)
ACTIVE
ACCOUNT(S)
CLOSED
ACCOUNT(S)
ZERO BALANCE
ACCOUNT(S)
NO. OF
INQUIRIES(TOTAL)
NO. OF
INQUIRIES IN 30 DAYS
NO. OF
INQUIRIES IN 60 DAYS
CIBIL 9 2 7 7 47 46 5
AMOUNT(S) & HISTORY
Bureau SANCTIONED AMOUNT CURRENT BALANCE OVERDUE BALANCE LENGTH OF CREDIT HISTORY AVERAGE ACCOUNT AGE
CIBIL 10,000 16,464 16,464
ACCOUNT HISTORY
1 ACCOUNT TYPE : Personal Loan SANCTIONED AMOUNT : 2,000 DISBURSED ON : 27-11-2021
ACCOUNT INFO
Bureau MEMBER NAME ACCOUNT NUMBER REPORTED DATE LAST PAYMENT DATE CLOSED DATE COLLATERAL TYPE COLLATERAL VALUE
CIBIL NOT DISCLOSED 31-08-2022

2. January February March April May June July August September October November December
January February March April May June July August September October November December
2022 XXX XXX 044 074 XXX 135 166 197 - - - -
2021 - - - - - - - - - - - 000
January February March April May June July August September October November December
2022 036 065 094 125 156 186 217 248 - - - -
2021 - - - - - - - - - - 000 007
AMOUNT(S)
Bureau CREDIT LIMIT CASH LIMIT INSTL AMT/FREQUENCY ACTUAL PAYMENT AMOUNT CURRENT BALANCE AMOUNT OVERDUE
CIBIL 3,581 3,581
STATUS
Bureau ACCOUNT STATUS SUIT FILED/WILFUL DEFAULT WRITTEN-OFF/SETTLED WRITTEN-OFF(TOTAL) WRITTEN-OFF(PRINCIPAL) SETTLEMENT
CIBIL Active
DAYS PAST DUE/ASSET CLASSIFICATION (upto 36 months)
2 ACCOUNT TYPE : Personal Loan SANCTIONED AMOUNT : 8,000 DISBURSED ON : 12-08-2021
ACCOUNT INFO
Bureau MEMBER NAME ACCOUNT NUMBER REPORTED DATE LAST PAYMENT DATE CLOSED DATE COLLATERAL TYPE COLLATERAL VALUE
CIBIL NOT DISCLOSED 31-08-2022 16-02-2022
AMOUNT(S)
Bureau CREDIT LIMIT CASH LIMIT INSTL AMT/FREQUENCY ACTUAL PAYMENT AMOUNT CURRENT BALANCE AMOUNT OVERDUE
CIBIL Fortnightly 12,883 12,883
STATUS
Bureau ACCOUNT STATUS SUIT FILED/WILFUL DEFAULT WRITTEN-OFF/SETTLED WRITTEN-OFF(TOTAL) WRITTEN-OFF(PRINCIPAL) SETTLEMENT
CIBIL Active
DAYS PAST DUE/ASSET CLASSIFICATION (upto 36 months)
3 ACCOUNT TYPE : Personal Loan SANCTIONED AMOUNT : 3,500 DISBURSED ON : 11-11-2021
ACCOUNT INFO
Bureau MEMBER NAME ACCOUNT NUMBER REPORTED DATE LAST PAYMENT DATE CLOSED DATE COLLATERAL TYPE COLLATERAL VALUE
CIBIL NOT DISCLOSED 30-06-2022 01-04-2022 01-04-2022
AMOUNT(S)
Bureau CREDIT LIMIT CASH LIMIT INSTL AMT/FREQUENCY ACTUAL PAYMENT AMOUNT CURRENT BALANCE AMOUNT OVERDUE
CIBIL 0
STATUS
Bureau ACCOUNT STATUS SUIT FILED/WILFUL DEFAULT WRITTEN-OFF/SETTLED WRITTEN-OFF(TOTAL) WRITTEN-OFF(PRINCIPAL) SETTLEMENT
CIBIL Closed
DAYS PAST DUE/ASSET CLASSIFICATION (upto 36 months)

3. January February March April May June July August September October November December
2022 000 000 000 000 000 000 - - - - - -
2021 - - - - - - - - - - 000 XXX
January February March April May June July August September October November December
2022 000 000 000 000 000 000 - - - - - -
2021 - - - - - - - - - - 000 XXX
2022 051 079 079 000 000 000 - - - - - -
2021 - - - - - - - - - - 000 XXX
4 ACCOUNT TYPE : Personal Loan SANCTIONED AMOUNT : 2,500 DISBURSED ON : 27-10-2021
ACCOUNT INFO
Bureau MEMBER NAME ACCOUNT NUMBER REPORTED DATE LAST PAYMENT DATE CLOSED DATE COLLATERAL TYPE COLLATERAL VALUE
CIBIL NOT DISCLOSED 30-06-2022 01-05-2022 01-05-2022
AMOUNT(S)
Bureau CREDIT LIMIT CASH LIMIT INSTL AMT/FREQUENCY ACTUAL PAYMENT AMOUNT CURRENT BALANCE AMOUNT OVERDUE
CIBIL 0
STATUS
Bureau ACCOUNT STATUS SUIT FILED/WILFUL DEFAULT WRITTEN-OFF/SETTLED WRITTEN-OFF(TOTAL) WRITTEN-OFF(PRINCIPAL) SETTLEMENT
CIBIL Closed
DAYS PAST DUE/ASSET CLASSIFICATION (upto 36 months)
5 ACCOUNT TYPE : Personal Loan SANCTIONED AMOUNT : 1,500 DISBURSED ON : 18-10-2021
ACCOUNT INFO
Bureau MEMBER NAME ACCOUNT NUMBER REPORTED DATE LAST PAYMENT DATE CLOSED DATE COLLATERAL TYPE COLLATERAL VALUE
CIBIL NOT DISCLOSED 30-06-2022 27-10-2021 27-10-2021
AMOUNT(S)
Bureau CREDIT LIMIT CASH LIMIT INSTL AMT/FREQUENCY ACTUAL PAYMENT AMOUNT CURRENT BALANCE AMOUNT OVERDUE
CIBIL 0
STATUS
Bureau ACCOUNT STATUS SUIT FILED/WILFUL DEFAULT WRITTEN-OFF/SETTLED WRITTEN-OFF(TOTAL) WRITTEN-OFF(PRINCIPAL) SETTLEMENT
CIBIL Closed
DAYS PAST DUE/ASSET CLASSIFICATION (upto 36 months)
6 ACCOUNT TYPE : Personal Loan SANCTIONED AMOUNT : 1,000 DISBURSED ON : 15-10-2021
ACCOUNT INFO
Bureau MEMBER NAME ACCOUNT NUMBER REPORTED DATE LAST PAYMENT DATE CLOSED DATE COLLATERAL TYPE COLLATERAL VALUE
CIBIL NOT DISCLOSED 30-06-2022 01-04-2022 01-04-2022
AMOUNT(S)
Bureau CREDIT LIMIT CASH LIMIT INSTL AMT/FREQUENCY ACTUAL PAYMENT AMOUNT CURRENT BALANCE AMOUNT OVERDUE
CIBIL 0

4. January February March April May June July August September October November December
2021 - - - - - - - - - 018 STD -
January February March April May June July August September October November December
2022 000 000 000 000 000 000 - - - - - -
2021 - - - - - - - - - - 000 XXX
January February March April May June July August September October November December
2022 047 075 000 000 000 000 - - - - - -
2021 - - - - - - - - - - 000 XXX
STATUS
Bureau ACCOUNT STATUS SUIT FILED/WILFUL DEFAULT WRITTEN-OFF/SETTLED WRITTEN-OFF(TOTAL) WRITTEN-OFF(PRINCIPAL) SETTLEMENT
CIBIL Closed
DAYS PAST DUE/ASSET CLASSIFICATION (upto 36 months)
7 ACCOUNT TYPE : Personal Loan SANCTIONED AMOUNT : 200 DISBURSED ON : 13-10-2021
ACCOUNT INFO
Bureau MEMBER NAME ACCOUNT NUMBER REPORTED DATE LAST PAYMENT DATE CLOSED DATE COLLATERAL TYPE COLLATERAL VALUE
CIBIL NOT DISCLOSED 30-06-2022 15-10-2021 15-10-2021
AMOUNT(S)
Bureau CREDIT LIMIT CASH LIMIT INSTL AMT/FREQUENCY ACTUAL PAYMENT AMOUNT CURRENT BALANCE AMOUNT OVERDUE
CIBIL 0
STATUS
Bureau ACCOUNT STATUS SUIT FILED/WILFUL DEFAULT WRITTEN-OFF/SETTLED WRITTEN-OFF(TOTAL) WRITTEN-OFF(PRINCIPAL) SETTLEMENT
CIBIL Closed
DAYS PAST DUE/ASSET CLASSIFICATION (upto 36 months)
8 ACCOUNT TYPE : Personal Loan SANCTIONED AMOUNT : 2,906 DISBURSED ON : 14-06-2021
ACCOUNT INFO
Bureau MEMBER NAME ACCOUNT NUMBER REPORTED DATE LAST PAYMENT DATE CLOSED DATE COLLATERAL TYPE COLLATERAL VALUE
CIBIL NOT DISCLOSED 30-11-2021 03-11-2021 03-11-2021 No Collateral
AMOUNT(S)
Bureau CREDIT LIMIT CASH LIMIT INSTL AMT/FREQUENCY ACTUAL PAYMENT AMOUNT CURRENT BALANCE AMOUNT OVERDUE
CIBIL Monthly 0
STATUS
Bureau ACCOUNT STATUS SUIT FILED/WILFUL DEFAULT WRITTEN-OFF/SETTLED WRITTEN-OFF(TOTAL) WRITTEN-OFF(PRINCIPAL) SETTLEMENT
CIBIL Closed
DAYS PAST DUE/ASSET CLASSIFICATION (upto 36 months)
9 ACCOUNT TYPE : Personal Loan SANCTIONED AMOUNT : 10,000 DISBURSED ON : 07-02-2019
ACCOUNT INFO

5. January February March April May June July August September October November December
2022 XXX XXX XXX XXX XXX XXX 000 - - - - -
2021 000 000 XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX
2020 302 348 376 424 446 469 000 000 000 000 000 000
2019 - - - - - - - 159 173 224 254 274
Bureau MEMBER NAME ACCOUNT NUMBER REPORTED DATE LAST PAYMENT DATE CLOSED DATE COLLATERAL TYPE COLLATERAL VALUE
CIBIL NOT DISCLOSED 18-07-2022 26-07-2020 26-07-2020
AMOUNT(S)
Bureau CREDIT LIMIT CASH LIMIT INSTL AMT/FREQUENCY ACTUAL PAYMENT AMOUNT CURRENT BALANCE AMOUNT OVERDUE
CIBIL 0
STATUS
Bureau ACCOUNT STATUS SUIT FILED/WILFUL DEFAULT WRITTEN-OFF/SETTLED WRITTEN-OFF(TOTAL) WRITTEN-OFF(PRINCIPAL) SETTLEMENT
CIBIL Closed
DAYS PAST DUE/ASSET CLASSIFICATION (upto 36 months)
INQUIRIES (reported for past 24 months)
Bureau MEMBER NAME DATE PURPOSE OWNERSHIP AMOUNT
CIBIL SBI 01-10-2022 Personal Loan 200,000
CIBIL SBI 30-09-2022 Personal Loan 10,000
CIBIL NOT DISCLOSED 25-09-2022 Consumer Loan 50,000
CIBIL NOT DISCLOSED 25-09-2022 Credit Card 5,000
CIBIL NOT DISCLOSED 08-09-2022 Personal Loan 1
CIBIL NOT DISCLOSED 19-06-2022 Credit Card 10,000
CIBIL NOT DISCLOSED 15-06-2022 Consumer Loan 50,000
CIBIL NOT DISCLOSED 09-06-2022 Personal Loan 9,500
CIBIL NOT DISCLOSED 30-05-2022 Personal Loan 4,000
CIBIL NOT DISCLOSED 11-02-2022 Personal Loan 15,000
CIBIL NOT DISCLOSED 18-01-2022 Consumer Loan 50,000
CIBIL NOT DISCLOSED 17-01-2022 Personal Loan 4,000
CIBIL NOT DISCLOSED 03-12-2021 Credit Card 100,000
CIBIL NOT DISCLOSED 02-12-2021 Consumer Loan 6,000
CIBIL NOT DISCLOSED 02-12-2021 Credit Card 2,000
CIBIL NOT DISCLOSED 30-11-2021 Personal Loan 30,000
CIBIL NOT DISCLOSED 13-11-2021 Personal Loan 1
CIBIL NOT DISCLOSED 12-11-2021 Consumer Loan 10,000
CIBIL NOT DISCLOSED 11-11-2021 Personal Loan 7,500
CIBIL NOT DISCLOSED 09-11-2021 Personal Loan 5,000
CIBIL NOT DISCLOSED 27-10-2021 Personal Loan 7,500
CIBIL NOT DISCLOSED 18-10-2021 Personal Loan 7,500
CIBIL NOT DISCLOSED 17-10-2021 Personal Loan 10,000
CIBIL NOT DISCLOSED 15-10-2021 Personal Loan 7,500
CIBIL NOT DISCLOSED 13-10-2021 Personal Loan 7,500
CIBIL NOT DISCLOSED 07-10-2021 Consumer Loan 50,000
CIBIL NOT DISCLOSED 16-05-2021 Consumer Loan 10,000
CIBIL NOT DISCLOSED 07-05-2021 Consumer Loan 50,000
CIBIL NOT DISCLOSED 18-03-2021 Personal Loan 1
CIBIL NOT DISCLOSED 16-03-2021 Credit Card 30,000
CIBIL NOT DISCLOSED 06-02-2021 Consumer Loan 50,000
CIBIL NOT DISCLOSED 08-10-2020 Credit Card 10,000

6. PERSONAL INFO VARIATIONS
ID VARIATIONS
Bureau Pan Passport Driving License Voter ID Ration Card UID Additional ID
PHONE & EMAIL VARIATIONS
ADDRESS VARIATIONS
EMPLOYMENT INFORMATION
Bureau ACCOUNT TYPE REPORTED DATE OCCUPATION INCOME NET/GROSS INCOME Monthly INCOME Monthly/ANNUAL DISPUTE DATE DISPUTE REMARKS
CIBIL Personal Loan 31-08-2022 Salaried
APPENDIX
SECTION CODE DESCRIPTION
Account Summary Number of Delinquent Accounts Indicates number of accounts that the applicant has defaulted on within the last 6 months
Account Information - Credit Grantor xxxx Name of grantor undisclosed as credit grantor is different from inquiring institution
Account Information - Account # xxxx Account Number undisclosed as credit grantor is different from inquiring institution
Payment History / Asset Classification XXX Field not reported by institution
Payment History / Asset Classification - Not applicable
Payment History / Asset Classification STD Account Reported as STANDARD Asset
Payment History / Asset Classification SUB Account Reported as SUB-STANDARD Asset
Payment History / Asset Classification DBT Account Reported as DOUBTFUL Asset
Payment History / Asset Classification LOS Account Reported as LOSS Asset
Payment History / Asset Classification SMA Account Reported as SPECIAL MENTION
Payment History / Asset Classification 000 Current account
Payment History / Asset Classification CLSD Paid or closed account/zero balance
Payment History / Asset Classification NEW New Account
Payment History / Asset Classification LNSB Loan Submitted
Payment History / Asset Classification LAND Loan Approved, Not Yet Disbursed
Payment History / Asset Classification INAC Account is Inactive
Payment History / Asset Classification SMA Account Reported as SPECIAL MENTION
Payment History / Asset Classification CON Contact Member for Status
Payment History / Asset Classification 01+ 1-30 days past due
Payment History / Asset Classification 31+ 31-60 days past due
Payment History / Asset Classification 61+ 61-90 days past due
Payment History / Asset Classification 91+ 91-120 days past due
Payment History / Asset Classification 121+ 121 - 179 days past due
Payment History / Asset Classification 181+ 180 or more days past due
Payment History / Asset Classification DEC Loan Declined
Payment History / Asset Classification PWOS Post Written Off Settled
Payment History / Asset Classification SPM Special Mention
Payment History / Asset Classification SUB Sub-standard
Payment History / Asset Classification RES Restructured Loan
Payment History / Asset Classification RGM Restructured Loan - Govt Mandate
Payment History / Asset Classification SET Settled
Payment History / Asset Classification DBT Doubtful
Payment History / Asset Classification FPD First Payment Default
Payment History / Asset Classification * Data Not Reported
Payment History / Asset Classification WOF Charge Off/Written Off
Payment History / Asset Classification WDF Wilful Default
Payment History / Asset Classification SF Suit Filed
Payment History / Asset Classification SFWD Suit Filed, Wilful Default
Payment History / Asset Classification SFWO Suit Filed and Written Off

7. Payment History / Asset Classification WDWO Wilful Default and Written Off
Payment History / Asset Classification SWDW Suit Filed, Wilful Default, and Written Off
---------------------------------END OF REPORT---------------------------------