What kind of CIR (CIBIL) do bank's get when they do a hard pull

[Md Kaif]

"I’ve always been curious about the kind of CIBIL report banks receive from TransUnion CIBIL when a hard inquiry is made.

Is the report similar to what we, as consumers, get? Do banks learn from a CIR what types of credit accounts an individual holds & with which banks? Can they see which banks we have recently applied to through the inquiries listed? I've had many questions about how different credit reports work.

Recently, some of these questions were answered by Axis Bank. While working to remove an inquiry from my CIBIL report, I managed to obtain a Bank-level CIR.

It seems banks only get to see the different accounts a consumer holds, but not with which banks those accounts are held. The name of the particular institution is mentioned as 'Not Disclosed.' The same is the case with credit inquiries—they can only see how many inquiries have been made and what types, but the name of the institution through which the inquiry was initiated is also 'Not Disclosed.'"

 

[S U D O]

Thanks for sharing