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CIBIL™ is one of the 4 credit bureaus in India. The other three being Equifax, Experian and CRIF High Mark. As per RBI guidelines, an individual is entitled to get one free credit report, along with their credit score once a year, from any one of the credit bureaus.

Note that CreditMantri offers a free credit score as well as a detailed credit analysis report to help you make informed decisions and discover credit products that are best suited for your needs.

You can get your CIBIL™ score directly from the CIBIL™ website. The process is very simple - You need to enter your mobile number, PAN number and a few other particulars like your name and email address. CIBIL™ will then generate your credit score and also a detailed credit report for your perusal.

What are the steps to check my CIBIL™ score for free?

Here is a step by step instruction on checking your CIBIL™ score:

  • Visit the official CIBIL™ website
  • You have to register on the website and create an account
  • You can do this using your email address and mobile number
  • Once you have created your account, you have to complete your profile by entering your PAN number, date of birth, address and other personal details
  • You will then be required to authenticate your account through the OTP sent to your mobile number.
  • Once the account has been verified and authenticated, you can go to the ‘Get Your Free Credit Report’ option to get your credit score and credit report

What additional features will I get along with my Free CIBIL™ Score and Report?

When you apply for a free credit report with CIBIL™, you are also offered personalized loans and credit card offers based on your CIBIL™ score. You may also raise disputes online if you notice any contradictions or inaccuracies that are expressed in your CIBIL™ report.

Can I check my CIBIL™ score without my PAN number?

PAN number is an important input required to generate your credit report on CIBIL™. However, if you don’t have a PAN number, you can use other identity documents like your passport, voter ID or driver’s license to generate the report.

Additional Reading: How to check your CIBIL™ score with your PAN card

Is 550 a good CIBIL™ score?

CIBIL™ score is a rating on your credit history. It ranges between 300-900. However, 750 is considered to be a decent CIBIL™ score to get you competitive loans and credit cards. 550 is not a very good CIBIL™ score.

Is it safe to check my CIBIL™ score online?

It is absolutely safe to check your CIBIL™ score online. Checking your own credit score does not affect your credit score.

How many times can I check my CIBIL™ score?

There is no limit on the number of times you can check your CIBIL™ score. However, remember that the CIBIL™ score is free only once. Consequent credit report requires you to pay for them. If you’re looking to check your credit score more frequently, use CreditMantri. You can check your credit score for free any number of times.

Additional Reading: How Often Should You Check Your Credit Report Is Getting A Free Credit Report Safe

How's the CIBIL™ score different from the credit report?

A CIBIL™ score is a 3-digit number that is part of your credit report. It ranges from 300-900 and gives potential lenders a simple understanding of your creditworthiness.

A credit report is a multi-page document that documents all your credit-related activities over a period. It has descriptions of your payment behaviour across all of your credit and credit cards and offers lenders a comprehensive image of your past and present credit behaviour.

What are the factors that affect my CIBIL™ score?

  • Delay in payments: Any overdue, incomplete or omitted payments would have a negative impact on your ranking.
  • Exceeding the credit limit: Using more than 50% of your credit limit will lower your credit score.
  • The right balance between secured and unsecured loans: Secured loans (home, gold auto loans) are loans that are issued against collateral such as a house, gold or car. Unsecured loans are loans that are issued without any insurance, such as a personal loan. It is necessary to have a higher proportion of secured loans to avoid a negative effect on your ranking.
  • Applying for several credits and credit cards within a limited timeframe: If you have too many credits or credit card applications without corresponding approvals, your credit score will be decreased. Each refusal causes a decrease in your rating.

Additional Reading: What are the factors that affect your CIBIL™ score

FAQs

1. How can I check my CIBIL™ score for free?

Obtain your CIBIL™ score in 3 simple steps

  • You have to register on the website and create an account
  • You can do this using your email address and mobile number
  • Once you have created your account, you have to complete your profile by entering your PAN number, date of birth, address andother personal details
  • You will then be required to authenticate your account through the OTP sent to your mobile number.
  • Once the account has been verified and authenticated, you can go to the ‘Get Your Free Credit Report’ option to get your credit score and credit report

2. Is it safe to check your CIBIL™ score online?

Yes, it is safe to check your CIBIL™ score online. The credit score gets generated by the 4 credit bureaus - CIBIL™, Equifax, CRIF High Mark, and Experian. A person is entitled to get one free credit report every year. You can request the credit report as well as your credit score from any of the four credit bureaus. If you want to get the report from more than one bureau, you can get it by paying the relevant fees.

3. What is a soft credit check?

A soft inquiry, sometimes known as a soft credit check or a soft credit pull is when you or someone you authorize checks your credit report. When a company such as a credit card issuer or mortgage lender verifies your credit to pre-approve you for an offer, it is a soft inquiry again. Soft inquiries don't impact your credit scores because they are not related to a specific application for credit.

4. Can my husband see my credit report?

Accessing a credit report that is not your own could be a form of fraud or identity theft and spouses are not an exception to this. That is because some people may view accessing such information as an intrusion of privacy even if they are married.

Disclaimer

The 4 credit bureaus- CIBIL™, Equifax, Experian, and CRIF Highmark offer credit reports in India. The points mentioned above are true for credit reports from any bureau.

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