Credit report is a detailed report of a person's credit history. Credit reporting agencies collect information from credit providers who subscribe to their services some of the details which are not shown in your credit report are :
1. Credit past of spouse
Your spouse's credit history is not mentioned in your Cibil report. Even though banks offer you the option of taking a joint loan to increase eligibility, your spouse's credit behaviour is not considered in your Cibil report.
2. utility bills payments
Utility bills would means bills including electric bills, water, society charges, telephone bills etc. Your Cibil report does not track your record in payment of any of these bills.
3. Your income
While the Income Tax officers are certainly interested in all your sources of income, the Cibil report assessment companies like CIBIL, Experian etc do not have the slightest inclination too pursue this information. Hence your income has no mention in the Cibil report. It is concerned about your borrowing and repayments.
4. Expenditure data
Expenditure on luxury car or a large charitable donation, the Cibil report does not distinguish amongst your spending. It is not taking a judgement call on your expenditure as long as your repayments on loan and credit cards are made on time.
5. Interest rate
Your Cibil report does not have data about the interest rate that you pay on your loans or credit card. Infact it is the information in your Cibil report that affects your the interest rate at which the bank will be willing to lend to you.
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