Check Your Credit Score Online for Free

Stay up-to-date with your credit score with a detailed credit report for free. Just add some basic details and get your report in a minute. 

Check Credit Score

What is a Credit Score?

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Credit Score is a 3-digit number that represents a person’s creditworthiness. In simpler terms, it primarily measures your borrowing or credit repayment capacity at a given time. Your credit score predominantly depends on your repayment history. There are multiple credit bureaus that maintain and calculate your credit score such as Equifax, Experian, Credit Information Bureau (India) Limited (CIBIL) and CRIF Highmark. Lenders look closely at an applicant's credit score before approving the loan application.

Find out your credit score and get an instant personal loan

RangeStatus
800-850Excellent
740-799Very good
670-739Good
580-669Fair
<579Poor

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FAQs on Credit Score Information

It is important to check your credit score online in order to avoid any wrong or incomplete information. It also helps you to keep track and understand your credit position better.

  • Credit Score is the individual’s loan repayment ability represented in 3-digit numbers.
  • Credit Ratings generally give credit ratings to corporations and government entities whether they can meet their financial commitments.
  • Credit Report shows a credit history, basically a summary of a potential borrower to the lenders that represents their creditworthiness.

You can follow the below simple steps to check credit score for free:

  1. Enter your basic details.
  2. Add your mobile number and Email ID.
  3. Verify your mobile number with the OTP sent.
  4. Once the process is completed, your credit score will be displayed on the screen.
  5. You can also see the detailed report by clicking on ‘View detailed report’.

A credit score or CIBIL score is generally calculated on below factors:

  1. Your EMI payment patterns
  2. How much money you owe
  3. How many active loans do you have
  4. Whether you are a defaulter in the past

There can be multiple reasons as to why your CIBIL score or other credit score keeps changing. 

  • If you spend more than usual or utilise the entire credit limit, you might witness a dip in your credit score
  • Your credit score improves if you pay your loan EMIs on time
  • Similarly, if you pay off your credit card bill payments timely, it also helps in improving your credit score

Your existing lenders, potential lenders and even insurance companies can access your CIBIL score or other credit score reports.

At present, you cannot check your credit score with the help of your Aadhaar card, since the credit score is linked to your PAN card. You need to provide your PAN number to get the score.

Credit Score Information Blogs

CIBIL Score: Importance of Credit Rating and How to Check
Credit Score 8 Feb 2024
CIBIL Score: Importance of Credit Rating and How to Check

Understanding the importance of credit rating is the first step towards being smart in your credit journey. For any type of credit, financial institutions will check your credit score to evaluate your application.   This is because it gives them accurate information about your credit behaviour and ability to handle different types of credit. This, in […]

Read More 3 mins read
What is the Average CIBIL Score Update Time?
Credit Score 25 Jan 2024
What is the Average CIBIL Score Update Time?

Your CIBIL score update time relies on many factors, including your latest credit activities and the time lenders take to report your transactions to credit bureaus. Before applying for any type of credit, consider these crucial pointers: Check your latest credit score and quote that when availing of a loan Review your score regularly to […]

Read More 3 mins read
Is There Any Cibil Defaulter List? Find Out Now
Credit Score 25 Jan 2024
Is There Any Cibil Defaulter List? Find Out Now

The CIBIL defaulter list is a misinterpreted term, as CIBIL or any other credit bureau does not maintain such a list for defaulters. Nevertheless, maintaining a healthy credit score is crucial when opting for credit. Here’s a quick tabulated overview of what is the ideal credit score range: Credit Score Meaning 800 – 900 Excellent […]

Read More 3 mins read
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