How to get a free credit check

Yes - It is possible to get a free credit check online through CreditMantri. CreditMantri has tied up with Equifax to obtain a credit report for all of their customers. (Equifax is one of the three credit rating agencies that issue a credit report in India.) So, while you will not be able to get a free credit check if you apply directly to the agency as an individual, CreditMantri can obtain your report for you, for free.

Is a credit score different from a credit check/credit report?

Yes. A credit score forms part of your larger credit report. Your credit score is a three digit number between 300-900 that is a snapshot of your credit-worthiness. Your score is mentioned in your credit report which contains information on all your credit transactions. Your report has details on every single loan or credit card account you have had with a variety of lenders over a period of time. It includes your payment history, number of credit accounts, your outstanding balance, delinquent accounts and your total credit limit among other details.

What is the process to get a free credit check online?

First, you need to register at and apply for a free credit check. You will be asked for some documentation – an ID proof and address proof. Once you complete this and the documents are verified by the agency, CreditMantri will obtain your credit score. You do not need to make any payment for the credit score.



Not only will you get a free credit score, but you will also receive a free analysis of your report to help you understand your credit health. Sometimes, the credit report can be in a very technical format that might not be easy to follow. CreditMantri will review the report, highlight problem areas that you need to work on to improve your credit score and guide you, if required, on how to improve your credit health and become loan-eligible.