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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.
Additional Reading: How to check your CIBIL™ score with your PAN card
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.
Additional Reading: How Often Should You Check Your Credit Report Is Getting A Free Credit Report Safe
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.
Additional Reading: What are the factors that affect your CIBIL™ score
1. How can I check my CIBIL™ score for free?
Obtain your CIBIL™ score in 3 simple steps
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.
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.
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.