How can I get my CIBIL report and Transunion Score?

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.