Checking your Credit score online is easy and free

Your Credit Score gives a snapshot of your financial health. Having a look at your credit report, lending institutions get to know about your creditworthiness or repayment capacity. A credit score ranges between 300-900. Higher your score, the better it is. In India, most of the banks and other financial institutions consider a minimum CIBIL Score of 750 and above as good. So, if you are planning to avail of any credit, you do not have to go anywhere, as you can check your credit score online for free with very few documents like your PAN Card. Let us have a look at how you can know your CIBIL Score online for free-

How to get your free CIBIL Score online?

To check your credit score online, you need to visit any lender's website or credit bureau i.e. Equifax, TransUnion, CRIF Highmark, or Experian. After deciding how you want to check your free CIBIL Score, you need to submit your PAN card details along with some other personal details. The process is completely free of cost and hassle-free. With this, you can keep a check on your financial fitness. 

Step 1: Click on ‘Free Credit Score’

Step 2: Enter your personal and employment details along with your PAN Card number

Step 3: You will receive an OTP on your registered mobile number

Step 4: Enter OTP and view your credit score instantly

 Why should you check your CIBIL Score?

 Checking your CIBIL Score has the following advantages-


  • Ensure Accuracy: Your CIBIL score contains information on your credit history and payment tracking record of your loans and credit cards which you have previously availed. By reading your CIBIL report, you can ensure that the information reflected in the report is accurate. Then you can take the action and get it corrected at the earliest.
  • Keep an eye on your loan accounts: A CIBIL report is a detailed summary of all your loan accounts and credit cards. CIBIL report helps you to monitor your loans and credit cards. If your CIBIL score calculation shows any loan that you have never availed of, then you can flag the problem on the credit dispute resolution board for resolution.
  • Maintaining your credit health: CIBIL score calculation reflects your credit position. It tells you about the debt owned and the outstanding amount of your loan accounts and credit cards. If your CIBIL report shows a low CIBIL score, then you can take active measures to improve your credit health. 

In nutshell, the CIBIL report allows you to conduct a complete financial check-up just like a health check-up to ensure that no financial stress or adverse factors are impacting your credit health.

So, go and check your credit score right away and know what loans and credit card offer you are eligible for.

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