Basic knowledge About CIBIL... CIBIL(credit information bureau India limited) it is India's oldest credit rating agency..That collects, maintains credit related information for individuals and businesses.... CIBIL Score is a three-digit numeric summary of your credit history.... Credit score Range 300 to 900 ✓ Credit score rating 300-550 poor........ 550-650 Average... 650-750 Good........ 750-900 excellent..... Basic Information about CIBIL terms.... ✓ 000: A perfect payment history for that month ✓ Days Past Due (DPD)- A DPD reflects in your credit report if you miss a payment. For example, if you miss a payment by 30 days, your credit report will show "30" for that month. If you miss two consecutive payments, it will show "60". ✓ LSS (Lender settled status)- It indicates that a borrower has settled a debt with a lender by paying less than the full amount owed. This usually happens when a borrower negotiates with the lender to settle the debt due to financial difficulties or disputes. ✓ STD Means "Standard"- It indicates that a borrower has made their payments on time and without delay. ✓ Suit filed- a legal action that the lender takes against the borrower in case of missed loan payments. The missed loan payments could be due to several reasons such as intentional default, financial constraint.. ✓ written off- It means that a borrower has not made payments on their loan for more than three months, and the lender has written off the debt. ✓ SMA- SMA stands for Special Mention Accounts in CIBIL reports, indicating accounts showing signs of becoming NPAs within 90 days @SMA- 0, if the amount is overdue for up to 30 days. @ SMA-1, if the amount is overdue for more than 30 days to 60 days. @SMA-2, if the amount is overdue for more than 60 days to 90 days.