You can apply for a CIBIL report and credit score online through the CIBIL website and get a report once a year for free as mandated by the RBI. Creditmantri can help you get a free credit score and a detailed credit health report which will help you make informed decisions and discover credit products such as loans and credit cards that are best suited for you.Click here to subscribe!
Please note that when you get a credit report through us, we will provide you with a short summary of issues and let you know whether you are 'loan eligible'. We levy a small premium for the administrative effort, service tax payable and for producing the Quick Credit Scan.
CIBIL is one among the credit bureaus authorized by RBI. CIBIL stands for Credit Information Bureau India Limited. CIBIL is the oldest credit bureau of India and contains the oldest information of all customers. The other credit bureaus are Equifax and Experian. CIBIL collects all the information of individuals from banks and NBFC’s and converts them into a 3 digit number based on algorithms. This score ranges from 300 to 900. It has been observed that most banks and NBFCs consider lending to customers with a CIBIL TransUnion score of 750 and above.
How to get a CIBIL report and TransUnion score?
To get your CIBIL report, you can log into the official CIBIL website www.CIBIL.com and get your CIBIL report by uploading your documents like address proof and id proof.You will receive the report within 24 hours to your email address. You can also log on to reputed credit management companies like CreditMantri and complete the documentation procedure and get your credit score and a detailed credit health report.
Can I get a free CIBIL report?
As per RBI rules you can get one free credit report in a year.When you approach a bank for a loan, they check your credit score to see whether you are credit worthy or not. To do that banks get a brief credit report when you apply for a loan. If you loan gets rejected it is advisable not to apply for another loan. Because there are high chances for your second loan to get rejected as well. And this will affect your credit score negatively.
What is the difference between CIBIL score and CIBIL report?
A CIBIL report consists of a CIBIL score. Your CIBIL report consists of your past transactions, borrowings and repayments with banks and other NBFCs. If you maintain a healthy credit score you are eligible to get a number of loans with a lot of benefits, which a person with a low credit score doesn’t get to enjoy.
With CreditMantri, discover credit products best suited for your credit profile. We also provide you a free credit health check and analysis. We have a wide range of lenders who would be willing to lend to your unique credit profile.
A CIBIL score is a three digit number between 300 and 900 that gives potential lenders a quick idea of your loan
Credit repair involves rebuilding your credit health to a level where you become eligible for loans.
A CIBIL Score is an indicator of an individual’s credit worthiness. It impacts the individual’s ability to borrow
A credit report is a history of your credit behaviour and contains detailed information on all your loan and credit
A credit rating - also known as a credit score - is a 3 digit number between 300-900 that gives potential lenders
A bad credit score is generally one that is less than 650. A credit score is a three digit number in the range of 300-900
Yes. In fact, a credit score of 850 is very good! Most lenders look for a minimum credit score of 750 to approve loans
There are several ways in which you can improve your credit score. Depending on how good or bad your score is,
Is 800 a good credit score? Yes. In fact, a credit score of 800 is very good! Only a small percentage of people reach,
Is it possible to obtain a free credit check or credit report? The answer is yes and no!
Your CIBIL Score plays an important role in getting loans and credit cards sanctioned, because it gives lenders
It is not possible for anyone, either lenders or borrowers, to get a CIBIL score or credit report for free.
It is important to know that there is no such thing as a CIBIL defaulter list. There used to be a defaulter list earlier,
To check your credit history, you should obtain a copy of your Credit Report. For this, you need apply to one of the three
There is really no number that can be established as the average credit score in India. Many people see regular
You can repair your credit absolutely free if you do it yourself! However, many people choose to get professional help
It is possible to improve your credit rating or credit rating within a few months, depending on the state of your credit
A more relevant question is, “Is it advisable to get a loan with bad credit?” There is a chance you can get a loan if
It is important to remember that there is no instant quick-fix for increasing your credit score overnight or in a couple
First, it is important to note that there is no ‘Defaulters List’ that is maintained or circulated by CIBIL or any of the other
Sourav and Ankit are watching the New York Marathon on TV and decide that they want to run a marathon.
In India, the best credit score to have is one that is 750 or above. The three credit rating agencies that operate in India
Is a credit score of 700 good? While it is not a very bad score, it is not good enough to automatically qualify
It is difficult to get a loan with a credit score of 650. Most banks look for a minimum score of 750 when deciding
It is not likely that you will get a loan with a credit score of 600. Most banks look for a minimum score of 750
It is difficult to get a loan with a credit score of 550. Most banks look for a minimum score of 750 when deciding
A poor CIBIL score can increase your financial problems and make it difficult to access credit, whether as a loan or credit.
One common worry that runs through your mind after you have made a credit card settlement is,