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

All You Need to Know About Experian Credit Score
Credit Score 22 Mar 2024
All You Need to Know About Experian Credit Score

Before you search for loan companies who use Experian, make sure you understand what this score is and why it matters. Financial institutions rely on the Experian credit score to check if you are eligible for credit based on your past credit behaviour.  Thus this score can impact the approval of your loan as well […]

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How Does Buy Now Pay Later (BNPL) Affect Your Credit Score??
Credit Score 21 Mar 2024
How Does Buy Now Pay Later (BNPL) Affect Your Credit Score??

Are you wondering if using BNPL impact your credit score? It’s pretty important to know, especially with all these point-of-sale (POS) instalment loans getting popular in India. BNPL or Buy Now Pay Later, is when you buy something with credit and then pay it off in chunks later, without any extra interest. In this sense, […]

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CIBIL Score: Importance of Credit Rating and How to Check
Credit Score 29 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 […]

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