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A credit information report CIR contains details of your credit history collated by a credit information company. Avoid delayed payments and defaults, and restrict enquiries for new loans if you are already leveraged, as it indicates you are planning to take greater credit risk. It also gives the status of outstanding loans. Your session has expired, please login again. Borrowers with a lower credit scores pay 10 basis points more. The enquiry section shows details of banks that have viewed your report to assess a loan application, the date when you enquired about your report, type of loan secured or unsecured and the amount. Free report You generally have to buy your credit report. Build a good score The credit report will have your account information, which has details of monthly payments for at least months, names of banks from where you have loans, and the type of loan.

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