B. CIBIL Explanation: TransUnion CIBIL Limited is India‘s first Credit Information Company, also commonly referred as a Credit Bureau. It collect and maintain records of individuals‘ and nonindividuals‘ (commercial entities) payments pertaining to loans and credit cards. These records are submitted to credit bureau by banks and other lenders on a monthly basis; using this information a Credit Information Report (CIR) and Credit Score is developed, enabling lenders to evaluate and approve loan applications.