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Is your Credit Score >750?
Get answers to commonly asked questions related to credit bureaus
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.
Here is a step by step instruction on checking your CIBIL™ score:
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.
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.
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.
It is absolutely safe to check your CIBIL™ score online. Checking your own credit score does not affect your credit 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.
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.
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CreditMantri will never ask you to make a payment anywhere outside the secure CreditMantri website. DO NOT make payment to any other bank account or wallet or divulge your bank/card details to fraudsters and imposters claiming to be operating on our behalf.