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CONSUMER CIR
CONSUMER: REALM PHANGCHO DATE:18-03-2024
MEMBER ID: BN05045170_CIR43353 TIME: 12:36:46
MEMBER REFERENCE NUMBER: CONTROL NUMBER: 7,31,89,02,645
CONSUMER INFORMATION:
NAME: REALM PHANGCHO
DATE OF BIRTH: 06-09-1997 GENDER: MALE
CIBIL TRANSUNION SCORE(S):
SCORE NAME SCORE SCORING FACTORS
CREDITVISION® SCORE
668 1:
2:
PRESENCE OF DELINQUENCY IN LAST 12 MONTHS
LOW CREDIT AGE
PERSONAL LOAN SCORE

554 1:
2:
ONE OR MORE TRADES WRITTEN OFF IN THE PAST 24 MONTHS.
PRESENCE OF DELINQUENCY.
3: NOT ENOUGH AVAILABLE CREDIT.
4: PRESENCE OF A HIGH NUMBER OF ENQUIRIES.
POSSIBLE RANGE FOR CREDITVISION® SCORE
Consumer with at least one trade on the bureau in last 36 months : 300 (High risk) to 900 (low risk)
Consumer not in CIBIL database or history older than 36 months : -1
* At least one tradeline with information updated in last 36 months is required.
POSSIBLE RANGE FOR PERSONAL LOAN SCORE
Consumers with more than 1 month credit history* : 300 (high risk) to 900 (low risk)
Consumers not in CIBIL database or with insufficient information for scoring* : -1
* At least one tradeline with information updated in last 24 months is required.In case of error in scoring a value of '0' is returned.
IDENTIFICATION(S):
IDENTIFICATION TYPE IDENTIFICATION NUMBER ISSUE DATE EXPIRATION DATE
INCOME TAX ID NUMBER (PAN) CXOPP1589A
DRIVER'S LICENSE NUMBER AS0120160231500
UNIVERSAL ID NUMBER (UID)(e) XXXXXXXXXXXX
© 2023 TransUnion CIBIL Limited. (Formerly: Credit Information Bureau (India) Limited). All rights reserved. PAGE 1 OF 6
TransUnion CIBIL CIN : U72300MH2000PLC128359

CONSUMER CIR
TELEPHONE(S):
TELEPHONE TYPE TELEPHONE NUMBER TELEPHONE EXTENSION
MOBILE PHONE(e) 6009816547
NOT CLASSIFIED(e) 9531067199
MOBILE PHONE 9679177884
MOBILE PHONE 917086534379
EMAIL CONTACT(S):
EMAIL ADDRESS
CHARLESPHANGCHO@GMAIL.COM
ADDRESS(ES):
(e)
ADDRESS :KAMRUP ASSAM 781012
CATEGORY:NOT CATEGORIZED RESIDENCE CODE:OWNED DATE REPORTED:14-06-2022
(e)
ADDRESS :SILIGURI, NF RAILWAY, SILIGURI WEST BENGAL 734001
CATEGORY:OFFICE ADDRESS RESIDENCE CODE: DATE REPORTED:20-07-2021
ADDRESS :VILL-CHAMATA PATHER, PO/PS-SONAPUR, KAMR , UP, PH-9435046904, ASSAM, 782402 KAMRUP ASSAM 782402
CATEGORY:RESIDENCE ADDRESS RESIDENCE CODE: DATE REPORTED:19-08-2020
(e)
ADDRESS :RLY QR NO 458/A TYPE 11 ,NO 5 FG SOLONY PANDU ,MALIGAON, , , GUWAHATI ASSAM 781012
CATEGORY:OFFICE ADDRESS RESIDENCE CODE: DATE REPORTED:24-03-2017
EMPLOYMENT INFORMATION:
SUMMARY:
ACCOUNT(S)
ACCOUNT TYPE ACCOUNTS ADVANCES BALANCES DATE OPENED
All Accounts TOTAL: 8 HIGH CR/SANC. AMT: 23,740 CURRENT: 0 RECENT: 30-01-2021
OVERDUE: 0 OVERDUE: 0 OLDEST: 24-09-2020
ZERO-BALANCE: 8

CONSUMER CIR
ENQUIRIES
ENQUIRY PURPOSE TOTAL PAST 30 DAYS PAST 12 MONTHS PAST 24 MONTHS RECENT
All Enquiries 18 2 7 7 10-03-2024
ACCOUNT(S):
ACCOUNT DATES AMOUNTS STATUS
MEMBER NAME: NOT DISCLOSED OPENED: 30-01-2021 SANCTIONED: 2,000

ACCOUNT NUMBER: NOT LAST PAYMENT: 20-04-2023 CURRENT BALANCE: 0
DISCLOSED CLOSED: 20-04-2023 REPAYMENT TENURE: 1
TYPE: PERSONAL LOAN REPORTED AND CERTIFIED:
OWNERSHIP: INDIVIDUAL 30-04-2023
PMT HIST START: 01-04-2023
PMT HIST END: 01-02-2021
DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)
000 760 729 700 670 639 609 578 546 517 486 456 425 403 XXX 368 366 281
04-23 03-23 02-23 01-23 12-22 11-22 10-22 09-22 08-22 07-22 06-22 05-22 04-22 03-22 02-22 01-22 12-21 11-21
364 364 361 360 134 115 115 115 007

10-21 09-21 08-21 07-21 06-21 05-21 04-21 03-21 02-21

000 760 729 700 670 639 609 578 546 517 486 456 425 403 XXX 368 366 281
04-23 03-23 02-23 01-23 12-22 11-22 10-22 09-22 08-22 07-22 06-22 05-22 04-22 03-22 02-22 01-22 12-21 11-21
364 364 361 360 134 115 115 115 007

10-21 09-21 08-21 07-21 06-21 05-21 04-21 03-21 02-21

DISCLOSED CLOSED: 14-01-2021
TYPE: PERSONAL LOAN

CONSUMER CIR
OWNERSHIP: INDIVIDUAL REPORTED AND CERTIFIED:

28-02-2021
STD
02-21

000
02-21

STD
02-21


CONSUMER CIR
000
02-21

DISCLOSED CLOSED: 22-04-2022 PMT FREQ: MONTHLY
TYPE: CONSUMER LOAN REPORTED AND CERTIFIED:
000 000 000 000 000 000 000 000 000 000 000 088 057 027 000 000 000 000
04-22 03-22 02-22 01-22 12-21 11-21 10-21 09-21 08-21 07-21 06-21 05-21 04-21 03-21 02-21 01-21 12-20 11-20
000
10-20
MEMBER NAME: NOT DISCLOSED OPENED: 24-09-2020 SANCTIONED: 500

STD
02-21
ENQUIRIES:
MEMBER ENQUIRY DATE ENQUIRY PURPOSE ENQUIRY AMOUNT
NOT DISCLOSED 10-03-2024 PERSONAL LOAN 3,000
NOT DISCLOSED 27-02-2024 PERSONAL LOAN 2,00,000
NOT DISCLOSED 05-12-2023 CREDIT CARD 10,000

CONSUMER CIR
MEMBER ENQUIRY DATE ENQUIRY PURPOSE ENQUIRY AMOUNT
NOT DISCLOSED 07-07-2023 CONSUMER LOAN 50,000
NOT DISCLOSED 19-06-2023 AUTO LOAN 3,00,000
BOI 19-06-2023 AUTO LOAN 1,00,000
NOT DISCLOSED 07-03-2023 TWO-WHEELER LOAN 81,000
NOT DISCLOSED 27-09-2022 TWO-WHEELER LOAN 1,40,000
NOT DISCLOSED 28-12-2021 TWO-WHEELER LOAN 1,39,662
END OF REPORT ON REALM PHANGCHO
All information contained in this credit report has been collated by TransUnion CIBIL Limited ( TU CIBIL) based on information provided/ submitted by
its various members("Members"), as part of periodic data submission and Members are required to ensure accuracy, completeness and veracity of the
information submitted. The credit report is generated using the proprietary search and match logic of TU CIBIL. TU CIBIL uses its best efforts to ensure
accuracy, completeness and veracity of the information contained in the Report, and shall only be liable and / or responsible if any discrepancies are directly
attributable to TU CIBIL. The use of this report is governed by the terms and conditions of the Operating Rules for TU CIBIL and its Members.

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CONSUMER CIR

CONSUMER: REALM PHANGCHO DATE:18-03-2024

MEMBER ID: BN05045170_CIR43353 TIME: 12:36:46

MEMBER REFERENCE NUMBER: CONTROL NUMBER: 7,31,89,02,645

DATE OF BIRTH: 06-09-1997 GENDER: MALE

CIBIL TRANSUNION SCORE(S):

SCORE NAME SCORE SCORING FACTORS

PERSONAL LOAN SCORE

POSSIBLE RANGE FOR CREDITVISION® SCORE

* At least one tradeline with information updated in last 36 months is required.

POSSIBLE RANGE FOR PERSONAL LOAN SCORE

INCOME TAX ID NUMBER (PAN) CXOPP1589A

DRIVER'S LICENSE NUMBER AS0120160231500

UNIVERSAL ID NUMBER (UID)(e) XXXXXXXXXXXX

TransUnion CIBIL CIN : U72300MH2000PLC128359

MEMBER ID: BN05045170_CIR43353 TIME: 12:36:46

MEMBER REFERENCE NUMBER: CONTROL NUMBER: 7,31,89,02,645

MOBILE PHONE(e) 6009816547

NOT CLASSIFIED(e) 9531067199

MOBILE PHONE 9679177884

MOBILE PHONE 917086534379

CATEGORY:NOT CATEGORIZED RESIDENCE CODE:OWNED DATE REPORTED:14-06-2022

CATEGORY:OFFICE ADDRESS RESIDENCE CODE: DATE REPORTED:20-07-2021

CATEGORY:RESIDENCE ADDRESS RESIDENCE CODE: DATE REPORTED:19-08-2020

CATEGORY:OFFICE ADDRESS RESIDENCE CODE: DATE REPORTED:24-03-2017

OVERDUE: 0 OVERDUE: 0 OLDEST: 24-09-2020

TransUnion CIBIL CIN : U72300MH2000PLC128359

MEMBER ID: BN05045170_CIR43353 TIME: 12:36:46

MEMBER REFERENCE NUMBER: CONTROL NUMBER: 7,31,89,02,645

All Enquiries 18 2 7 7 10-03-2024

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: NOT DISCLOSED OPENED: 30-01-2021 SANCTIONED: 2,000

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

364 364 361 360 134 115 115 115 007

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: NOT DISCLOSED OPENED: 30-01-2021 SANCTIONED: 2,000

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

364 364 361 360 134 115 115 115 007

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: NOT DISCLOSED OPENED: 16-12-2020 SANCTIONED: 1,000

TransUnion CIBIL CIN : U72300MH2000PLC128359

MEMBER ID: BN05045170_CIR43353 TIME: 12:36:46

MEMBER REFERENCE NUMBER: CONTROL NUMBER: 7,31,89,02,645

OWNERSHIP: INDIVIDUAL REPORTED AND CERTIFIED:

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: NOT DISCLOSED OPENED: 15-12-2020 SANCTIONED: 2,000

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: NOT DISCLOSED OPENED: 19-11-2020 SANCTIONED: 2,000

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: NOT DISCLOSED OPENED: 19-10-2020 SANCTIONED: 1,000

TransUnion CIBIL CIN : U72300MH2000PLC128359

MEMBER ID: BN05045170_CIR43353 TIME: 12:36:46

MEMBER REFERENCE NUMBER: CONTROL NUMBER: 7,31,89,02,645

DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)

ACCOUNT DATES AMOUNTS STATUS

MEMBER NAME: NOT DISCLOSED OPENED: 16-10-2020 SANCTIONED: 13,240