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15.6L Reviews
Check Credit Score from All 4 Bureaus
Track Credit Score Seamlessly Every Month
Read Credit Report in Multiple Languages
Credit Score is a 3-digit numeric summary of your credit history, that represents your creditworthiness. Credit Score is commonly known as CIBIL Score (provided by TransUnion CIBIL), and ranges between 300 and 900. Your Credit Score is a measure of your ability to borrow from Banks and NBFCs, determined by your past credit behaviour.
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0:48You can check your latest updated CIBIL score, along with credit scores from other bureaus, on Paisabazaar for free. Follow the steps given below to seamlessly track your score every month:
Enter Your Details
Go to the ‘Credit Score form’ fill in your mobile number and other details, and click on ‘Get Free Credit Report’.
Verify Your Mobile Number
Complete the OTP verification of your mobile number to receive your credit score from multiple credit bureaus, including CIBIL.
Track Your Credit Score
Your Paisabazaar account will be created, and your credit score will be updated every month to help you monitor your credit health.
Note: Your credit score is not impacted when you check it on Paisabazaar or through any credit bureau’s platform directly.
Bureau Last Refresh Date |  20 Mar ’26 |  20 Mar ’26 |  20 Mar ’26 |  20 Mar ’26 |
|---|---|---|---|---|
Score | 809 | 752 | 855 | 840 |
Score Change Since last refresh | 1 | - | - | - |
On Time Payments | — | — | — | — |
A deeper look into the factors behind your score
Your credit score is one of the first things that a Bank or NBFC will check while evaluating your loan or credit card application. It shows lenders whether you are reliable or risky in repayment of your EMIs or credit card outstanding.
A good CIBIL score helps you access credit without much difficulty
Many lenders offer lower rate of interest on loans to applicants with a strong credit score
The higher your credit score, the more likely lenders are to approve you for new credit
Usually, a CIBIL Score of 760 and above is preferred by lenders for loan or credit card approval
Many Banks and NBFCs also approve applications if the CIBIL score is between 700 and 760
If your credit score is low (below 700), most lenders are likely to reject your loan application .
Note: Your credit score is not the only factor considered by lenders. They also check your income, repayment capacity, debt-to-income ratio, employment history, profession, etc.
There can be several reasons for a low credit score. Some of the main factors that can lower your CIBIL score are:
Your credit score ranges from 300 to 900, where the score closer to 900 is considered better for credit approval.
| Score Range | Creditworthiness | Chances of Approval | Pre-approved Offers | Action Required |
|---|---|---|---|---|
| 801 - 900 |  | | |  |
| 761 - 800 | | | |  |
| 701 - 760 | | | | |
| 601 - 700 | | | | |
| 300 - 600 | | | | |
Creditworthiness - Do lenders consider you worthy of credit?
Chances of Approval - What are the chances of your application's approval by the lender
Pre-approved Offers - Credit offered by lenders basis your credit profile before applying
Action Required - Whether you should take corrective actions to improve your credit score
Yes
Need Attention
NoSwipe to see more table data
Your credit score depends on several factors that the credit bureaus take into consideration. These factors depict your past credit behaviour and are checked by banks and NBFCs, every time you apply for a fresh credit product.
In addition to the 5 primary factors affecting your credit score, issues like credit report errors, lack of credit history, or default by someone you’ve guaranteed a loan for can also have a mild negative impact.
Also Read: Common Myths about Credit Score
Though your CIBIL score is not the only thing lenders assess while considering a loan or credit card application, it is arguably one of the most important factors. Maintaining a good credit score comes with several benefits that include:
Suggested Read: What Are the Benefits of a Good CIBIL Score?
If you have no credit history or a low CIBIL score, it can make it challenging to get your loan or credit card applications approved. To improve your chances, follow these steps carefully and remain consistent to gradually increase your CIBIL score.
Pay all your loan EMIs and credit card bills on time
Repay due debt. Consider debt consolidation if unable to repay
Keep credit utilization ratio in check, ideally below 30%
Get errors, if any, in your credit report rectified
Avoid applying for multiple loans or credit cards frequently
Avoid closing your oldest credit card. A longer credit history helps build score
Apart from the fact that Paisabazaar offers CIBIL score for FREE with monthly updates, you can also check, monitor, and compare your credit scores from other credit bureaus like Experian, CRIF High Mark, and Equifax. Paisabazaar helps you check, track, and build your score by enabling you to:
Through Paisabazaar (web & app), you can check and compare your credit score from multiple bureaus instantly and for absolutely free.
Those with healthy credit profiles can also avail of the best pre-approved loan and credit card offers from India's top banks and NBFCs.
You will be matched with the most-suited lender and offer for personal loans, based on your credit score along with other eligibility factors.
Paisabazaar offers personalized credit advisory to help customers understand their credit report and improve their CIBIL score.
Paisabazaar is committed to helping consumers make informed credit decisions, enabling strong credit health across segments. Some of our technology-led credit health initiatives include:
Your Credit Report in a Personalized Video
See how various credit actions impact on your credit score
Get Deep Insights from our AI Chatbot
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