Credit Score powered by our Bureau Partners 
® | 
CreditMantri Finserve Private Limited
CreditMantri Finserve Private Limited Unit No. B2, No 769, Phase-1, Lower Ground Floor, Spencer Plaza, Anna Salai, Chennai - 600002
Have any queries? Click here for more details
All written queries will be responded within 1 working day.
We'd love to help you through every step along the way.
Get answers to commonly asked questions related to the credit score and credit reports
Check Credit Score for FREE in 1 min
When you have not borrowed in the past or have never had a Credit Card or a loan, there will be no updates about you with the credit bureau, who mark such cases as NH or 'No History'. Due to a lack of details, the credit bureau will be unable to comment on your payment behaviour. In such cases, some banks / financial institutions/NBFCs may not provide you with any unsecured credit facilities.
It is important to have a Good Credit Score for many reasons. Because your credit score is the one that enables you to request more credit in the form of credit cards, loans etc. There are many NBFC’s willing to offer loans and credit card without a credit score , but they charge you a very high interest rate. But keep in mind that not many lenders will be willing to lend to you.
Since you are new to credit, banks can’t look into your credit score and history to determine whether or not to lend you money. In these cases, banks often look at other factors to determine your repayment capacity (such as your income and employment stability) and decide whether you are creditworthy or not.
If you are new to credit, then you can follow these tips to build a good credit score.
Banks issue these cards, which will be a great start for a new borrower to build your credit score. But you must be mindful of potential fees some banks charge for the particular product. If you don’t want a secured credit card, another option is to approach a bank and they might suggest you a credit card with a low credit limit. And gradually you can ask the banks to increase your credit limit, by ensuring that you pay all you bills on time.
As a part of our service CreditMantri helps you to improve your credit score and history. We help you to discover loans and credit cards matched for your credit profile. Reduce EMI and borrowing costs. What’s more important, you will not have to go through a full application and face rejection at the end. We do the hard work for you and weed out what is not suited for your credit profile.
CreditMantri will never ask you to make a payment anywhere outside the secure CreditMantri website. DO NOT make payment to any other bank account or wallet or divulge your bank/card details to fraudsters and imposters claiming to be operating on our behalf. We do not sell any loans on our own and do not charge any fee from our customers/viewers for the purpose of loan application