Have you ever wondered why people get their applications for loans and credit cards rejected? The lenders surely don't deny the requests randomly or out of spite for the applicants. Then how do the lenders judge its customers? Well, the credit information report single-handedly dominates this screening process. Although all credit information companies generate credit reports, Indians tend to synonymize the term credit report with CIBIL report. This is because CIBIL is the oldest and most popular credit information company in India.