Why Choose Us
CIBIL99 is not just another credit lookup service — it’s a trusted partner built for the finance professionals who drive India’s lending ecosystem.
Designed for Professionals
CIBIL99 is made exclusively for DSA’s, bankers, NBFC agents, and finance professionals who deal with loan customers daily. Whether you’re processing personal, business, or vehicle loans — CIBIL99 simplifies pre-screening and decision-making.
Instant & Affordable Credit Reports
Fetch customer credit reports instantly at just ₹99 (including GST). The process is quick, affordable, and completely transparent — helping professionals make faster lending decisions.
No Impact on Customer Score
Each lookup is a soft-pull, ensuring no enquiry mark is added to the customer’s credit history. That means professionals can review the credit profile without affecting the customer’s credit score.
Transparent & Legal Process
Every report is fetched with the customer’s consent and shown in their presence. No hidden activities, no unauthorized data usage — CIBIL99 ensures ethical, legal, and responsible handling of credit data.
Accurate, Unmodified Reports
The credit reports provided by CIBIL99 are exactly as provided by the bureau — without any alterations or tampering. This ensures users get reliable and authentic information every time.
Data Privacy Commitment
CIBIL99 guarantees complete privacy. Neither customer data nor user data is ever sold or shared with any third party. All data is encrypted and used strictly for the loan evaluation process.
Empowering Smarter Lending Decisions
With clear visibility into DPDs, bounce history, active loans, and enquiry timelines, professionals can choose the right lender for each customer. This saves time, reduces rejections, and improves approval ratios.
Nationwide Reach
CIBIL99 empowers professionals across India — from metros to tier-3 towns — to access credit insights easily and legally. The platform bridges the gap between customers and lenders, promoting responsible lending.
Customer Trust & Industry Growth
By avoiding unnecessary enquiries and protecting customer credit scores, CIBIL99 builds stronger trust between customers, agents, and lenders — helping the entire financial ecosystem grow responsibly.
Compliance & Accountability
CIBIL99 maintains strict compliance standards. If any user misuses the platform or fetches reports without consent, legal actions are taken, ensuring fairness for all genuine users.
Tagline
Financial Clarity Starts Here
Full Form
Consumer Information Bridge – Instant Lookup @ ₹99 (Inclusive of GST)
Disclaimer
CIBIL99 is not a Credit Information Company (CIC). It is an independent professional lookup platform designed for pre-loan screening purposes only.
How It Works
CIBIL99 is a transparent, secure, and user-friendly B2B platform designed specifically for DSA’s, bankers, and other working professionals or loan agencies operating across India in the finance and lending ecosystem. The platform helps professionals instantly access their customer’s credit report — legally, with consent, and without impacting the customer’s credit score.
Registration & Verification
Financial professionals such as DSA’s, bankers, or loan agents register themselves on the CIBIL99 platform by providing their valid business details. Once verified, they get access to the CIBIL99 dashboard to start fetching reports.
Customer Interaction
When a customer approaches for any type of loan — personal loan, business loan, home loan, LAP, vehicle loan, or credit card — the user (DSA/banker) must first obtain the customer’s explicit consent to view their credit report.
Consent-Based Report Fetching
After receiving the customer’s consent, the user enters the customer’s correct details such as mobile number (used for banking purposes) and other minimal information on the CIBIL99 portal. The system then fetches the customer’s credit report instantly through a secure, soft-pull process. Since it’s a soft pull, it does not create any enquiry in the customer’s credit history.
Instant Access to Detailed Report
Within seconds, the report is displayed — showing crucial insights like credit score, DPDs (Days Past Due), active loans, loan history, latest bounces, lender names, and the number of enquiries raised recently. Both the customer and user can see the report together, ensuring full transparency.
Decision Making & File Evaluation
ased on the credit insights, users can decide where to log in the file and which lender’s policy matches the customer’s profile. This helps avoid unnecessary multiple enquiries, saving time and protecting the customer’s score.
Compliance & Security
Every report fetch is consent-based and securely logged. Users are strictly prohibited from misusing or sharing data. If any misuse or fraudulent activity is found, the user’s account may be deactivated, legal action initiated, and fines imposed.