Check your Free Credit Score Online

How to get a free credit check

How to get a free credit check

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

How to get a free credit check

Is it possible to obtain a free credit check or credit report? The answer is yes and no!

No - At the start, it needs to be made clear that it is not possible for anyone to get a free credit report or credit check directly from a credit rating agency in India. Anyone who wants a credit report needs to pay for a copy –usually a few hundred rupees. This applies to both individuals as well as institutions. For example, if a bank or lending agency wants to check your credit history when reviewing your loan application, they too have to pay for a copy of your report.
Yes - However, 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.

Comments (6)

Commented on 11, April , 2016

Banks/lenders generally report account status/transaction information to credit bureaus once a month, and the bureaus may also update individual customer profiles once in 30-45 days. So it may take between 6-8 weeks for updated account status to reflect on your credit profile.

Commented on 29, March , 2016

once i clear my outstanding on credit cards how many days does bank takes to update on cibil or credit agencies..

Commented on 12, February , 2016

Both the status codes mentioned by you - SETTLED and POST-WRITEOFF SETTLED refer to situations where the customer is unable to pay his total dues on a particular loan account and hence approaches the bank/lender for a partial waiver of amount. Such negotiated settlements lead to the account being closed, and the bank may also issue a No Dues Letter or an NOC, but such accounts will be reported by the bank/lender to the Credit Bureaus under SETTLED/ POST-WRITEOFF SETTLED status codes. These accounts may be considered as negative accounts and are likely to adversely affect your loan eligibility. Hence, it is very important to resolve these issues and bring them to positive closure status at the earliest, so that you remain loan-eligible. In case any of your accounts are currently reported under these status codes, we can help you resolve the same. Please provide us a mobile number where we can reach you and clarify your questions.


Commented on 11, February , 2016

What is settled /post write off means


Commented on 4, February , 2016

Thanks for detailed notes

Commented on 14, December , 2015

Very very good .easy to understand .

Check your Free Credit Score Online

As part of our efforts to make the end consumer services affordable and available at price points which are favourable to the customer, CreditMantri may receive fees / commissions from lenders.

CreditMantri ™ is a registered trademark of CreditMantri Finserve Private Limited. All Rights Reserved. Product name, logo, brands, and other trademarks featured or referred to within Credit Mantri are the property of their respective trademark holders.

CreditMantri was created to help you take charge of your credit health and help you make better borrowing decisions. We support customers with every kind of credit profile - those who are new to credit and have a minimal or nonexistent record; those who have a problematic history; and those who already enjoy a healthy profile. If you are looking for credit, we will make sure you find it, and ensure that it is the best possible match for you. How do we help you? We enable you to obtain your credit score instantly, in real time. We get your Credit Score online and provide a free Credit Health Analysis of your CIBIL or Equifax report. Based on the analysis, we help you discover loans and credit cards best suited for your credit profile. We help you understand your Credit Information Report (CIR) and offer practical and personalized recommendations, tailored to help you improve your score and become loan-eligible. We are a one-stop shop for all your credit needs. We make it easy for you to browse through and compare the various financial products on offer on the market; access our free and user-friendly online tools; and finally, enjoy a stress-free application process with quick approvals. We ensure that you have a high probability of being approved for the loan or credit card you apply for as we only suggest products pre-matched to your profile. We help you avoid loan rejection by carefully determining your eligibility and matching you with the right lender/product. We achieve this with a cutting edge combination of data science, technology and credit management that ensures that both lenders and borrowers have a transparent common platform to make their decisions. We treat your data with the utmost confidentiality and will never share or sell it to anyone. That is our CreditMantri guarantee. Our dedicated and best-in-class customer service will go the extra mile (or two) to support you on every step of your credit journey. Our 4,20,000 happy customers are our best testimonial.

CreditMantri is India’s No. 1 site for Credit Analysis and Free Credit Score Online. Let us help you take control of your credit goals and unlock the door to your financial freedom.