From January this year, based on an RBI directive, you will be able to access one detailed credit report in an electronic form for free in a year. This rule is applicable to all credit information agencies whenever one makes a request. The credit information report or CIR is the report which has all the details of your credit history collated by a credit information company. You could seek the report from CIBIL (Credit Information Bureau (India) Ltd), Equifax Credit Information Services, High Mark Credit Information Services and Experian Credit Information.