® 
You can check your credit report as many times as you want. A self-check doesn’t affect your credit score so there is no problem. However, you will get only one free credit report in a year and subsequent credit checks will cost you money. TransUnion CIBIL, Equifax, Experian and CRIF Highmark – these are the 4 credit bureaus in India.
What are the top 5 reasons to check your credit score regularly?
1. Keep track of your creditworthiness.
2. Recognize errors or mistakes in your credit report
3. Helps you make an informed decision while applying for new credit.
4. Helps in the prevention of identity fraud and theft
5. Helps you maintain a low credit utilisation ratio
What is considered a good credit score? Can I get a loan with a credit score of just 650?
A score above 700 is considered a good credit score. Yes, you can get a loan with such a low credit score, but the interest rate and other loan terms will not be favourable for you.
What should I do if I identify errors in my credit report?
If you find any misinformation or error on your credit report, you can immediately report it to the credit bureau. They will cross check with the financial institution and rectify it, if found right.
What is an ideal credit utilization rate?
Experts suggest you to maintain a credit utilization rate of 30% and below.
Can I improve my credit score from 500 to 700? Will my credit score be affected when I check it every time?
Yes, you definitely can. You need to follow a disciplined debt management strategy and repay some of your long pending loans to achieve this. When you do a self-check, your credit score is not affected.
Will the banker pull my credit report even for an instant loan or credit card applications?
Yes, instant loans & credit cards are necessarily a kind of unsecured loan. So providers do check your credit score before sanctioning the loan.