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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.
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 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,
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
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,
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