CIBIL is essential for persons
a) Those who are taking a loan.
b) Those who had completed loan amount.
Since credit score is being taken in account of numerous financial transaction.
It has provision for knowing the credit score of ours by paying small amount of fee to CIBIL directly through DD or online payment.
http://www.cibil.com/art19_01_07.htm
http://www.cibil.com/accesscredit.htm
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