हिंदी में पढ़े
Checking your CIBIL score or CIBIL report at Paisabazaar.com is free of cost. However, India’s four leading credit bureaus or Credit Information Companies (CICs) named TransUnion CIBIL, Experian, CRIF High Mark, and Equifax charge a fee, as per their subscription plans to provide credit reports to individuals, enterprises, companies, and organizations.
Paisabazaar has partnered with the leading credit bureaus that enable you to check your credit report with no impact on your credit score. You can also check your credit report in English, as well as other regional languages for better insight and analysis.
Now Get your Credit Score and Credit Report for FREELifetime FREE |
* Terms and conditions apply
Steps to Check CIBIL Score for Free
Below mentioned are the simple steps regarding your CIBIL score check online for free:
Step 1: Click here to get the free credit score
Step 2: Enter your basic details, such as gender, full name, email address and mobile number to verify using OTP authentication by clicking on the ‘Get Free Credit Score’ button.
Step 3: Once you click on the ‘Get Free Credit Score’ button, you will get credit scores from all 4 credit bureaus
Step 4: On CIBIL tab, click on ‘Check Report’ and make the payment.
Step 5: Your Date of Birth (DDMMYYYY format) is the password of your CIBIL report by Paisabazaar
Benefits of Checking Your CIBIL Score Online
- Multiple Bureaus – You can check your credit report from multiple credit bureaus under a single platform and check reports, as Paisabazaar has partnered with all four bureaus – TransUnion CIBIL, Equifax, CRIF High Mark, and Experian
- Monthly Updates – Here when you check your credit score, you receive monthly updates on your email & WhatsApp every month free of cost
- Credit Advisory Service – If your credit score is low, you can avail Credit+ Advisory Service where credit experts will assist you with appropriate measures to improve your score significantly
- Pre-approved Offers – Paisabazaar provides personalised pre-approved loans and best credit card offers based on your creditworthiness through which loans are disbursed immediately with minimal to no documentation
- Multiple Languages Support – You receive credit reports in different languages, such as Hindi, Kannada, Tamil, and Marathi to help customers understand their credit reports in their preferred language.
Importance of High CIBIL Score
Most of the lenders and credit card providers consider a CIBIL score of 750+ or as close to 900, as a good credit score that shall help you in the following ways:
- Competitive interest rates and reduced processing charges on loans
- Faster loan and credit card approvals
- Pre-approved offers on loans and credits
- Increased negotiating options – longer repayment tenure & higher credit limit
- Easy credit availability with lesser or no documentation
Suggested Article: 6 Benefits of High CIBIL Score
Don’t know your Credit Score? Check it here for FREE. Check Now
How to Check CIBIL Score for Free FAQs
Q. What is CIBIL score?
Ans. CIBIL score is a 3-digit numeric that ranges from 300-900 and depicts your repayment history and creditworthiness.
TransUnion CIBIL provides credit scores to borrowers based on their past credit behaviour and repayment history. It represents their creditworthiness and the risk associated with approving their loan applications.
Q. What is the minimum CIBIL score to get any credit product?
Ans. There are no minimum CIBIL score criteria as defined or followed by the lending banks or NBFCs in offering funds. However, you should maintain at least 750 or above that depicts your creditworthiness and credit-responsible behaviour.
Q. How does CIBIL get the information on your credit/loan history?
Ans. TransUnion CIBIL or other 3 credit bureaus named Experian, CRIF High Mark, and Equifax get your credit information from the lending institutions, such as banks and NBFCs that provide this information to the credit bureaus every month for them to generate and issue your CIBIL score.
Q. I checked my CIBIL score thrice in a month. Will it affect my CIBIL score?
Ans. No, even if you check your CIBIL score multiple times a day or month, it shall not lower your CIBIL score. Checking your credit score is considered a soft inquiry by the credit bureau, so it does not affect your CIBIL score.
Q. For how long does CIBIL keep the record of the defaulters?
Ans. There is no defaulter’s list generated or maintained by any credit bureau. However, the credit bureau keeps a record of your month-wise payment history, as well as your CIBIL score for the past 7 years.
Q. How to check the CIBIL score on mobile?
Ans. You can download the Paisabazaar app on your mobile and check your free CIBIL score by entering your registered mobile number for OTP verification and further by mentioning your PAN card and other details. Checking your CIBIL score or CIBIL report at Paisabazaar is free of cost.
Q. Who can avail CIBIL score check facility?
Ans. Any person who has availed credit in the past or is currently utilising credit can avail the facility of free credit score check service through Paisabazaar.
Q. How to check the CIBIL score for free?
Ans. You can check your credit score for free by mentioning a few basic details, such as your name, date of birth, PAN card, mobile, number, PIN code and email address for free CIBIL score check.
You can check your credit report from multiple credit bureaus with monthly updates.
Q. Can I avail the facility of credit score check for other credit bureaus?
Ans. Yes, you can go for free credit score check service for other credit bureaus such as Experian, Equifax and CRIF High Mark.
Q. What is the impact on credit score, if it is checked regularly?
Ans. Checking your credit score does not have any impact on your score in any way. It is recommended to check credit score regularly to stay updated and rectify errors in your credit report, if any.
Q. Why do I need to provide my mobile number to check my credit score?
Ans. You need to provide your mobile number for OTP authentication to securely access your account. This is to make sure that only you get to check your credit score and other details.
Q. How to calculate my CIBIL score?
Ans. You shall not be able to calculate your CIBIL score, as it is calculated by the Credit Information Company by using a unique statistical algorithm. Each credit bureau has it different algorithm to calculate and generate credit scores.
Q. When I checked my credit score it showed a three-digit number i.e. 789 on the screen. What does this mean?
Ans. Any score that is close to 900 and above 750 is always a good credit score. Therefore, if you have a credit score of 789, it shall further help you to avail loans and credit cards with increased chances of approval.
Q. How to check my CIBIL score for free without OTP?
Ans. To authenticate your account you shall need to provide your mobile for OTP verification, as it helps in assessing your account securely. So, without an OTP verification, checking your CIBIL score is not possible.
Q. Is the CIBIL score checked by us and banks different?
Ans. CIBIL score is provided by Transunion CIBIL to both lenders and borrowers. It is the same throughout for any banking and financial institution. One can check credit score either from CIBIL’s portal or through Paisabazaar.
Q. I checked my CIBIL score thrice in one month. Will it affect my CIBIL score?
Ans. When you check your CIBIL score, it is considered as soft enquiry. Thus, these enquiries have no impact on your score. However, if these enquiries are carried out from a lender’s end, it is called a hard enquiry. Multiple hard enquiries can significantly impact your credit score.
Q. For how long does CIBIL keep the record of the defaulters?
Ans. Your details in CIBIL can be reflected in your credit report for as long as seven years. Your report may also contain details of all credit accounts handled by you in the past.
Q. Will I be able to check CIBIL score free of cost?
Ans. Yes, you can check CIBIL score free of cost online through Paisabazaar.
Q. Is there a separate platform for CIBIL score checking on Paisabazaar?
Ans. CIBIL score checking can be done through the Paisabazaar website or the Paisabazaar mobile app.
Q. How to check credit score if I don’t have any loan or credit card?
Ans. If you have never availed the credit card or loan facility, you will not have any score as you are new to credit.
Denied a Loan? Could be Because of Low Credit Score! Check Now
Suggested Articles:
16 Comments
I WANT A COPY OF MY CIBIL PLEASE.
Please fill the CIBIL form and you shall get your CIBIL copy.
मेरा सिबिल स्कोर कितना दिन में चेंज होगा मेरा सिबिल स्कोर कितना दिन में बढ़ेगा
Aapka CIBIL score har 15 dino mein update hota hai. Halanki, agar aapka CIBIL score kam hai toh isey improve hone mein 6 mahine se 1 saal tak lag sakta hai. Aapke score ki improvement is baat par depend karti hai ki aapki credit behaviour kitni disciplined hai.
Hi loan bharane ke bad bhi Mera civil nahin uth Raha hai sar kam se kam 5 se 6 mahine ho gaye hain maine pura loan clear kar diya hun Bihar samet uske bad bhi Mera civil nahin uth raha hai
Aapko apna credit report detail mein dekhna chahiye aur agar ko error hai toh usey immedtiately resolve karna chahiye jisse aapke score ke improve hone ke chances badh jaate hain.
मेरे नाम पर लोन दिख रहा है लेकिन मैंने लोन अभीतक उठाया नही ओर मेरे नाम पर 282 रुपये दिख रहे हैं तो क्या करणा पड़ेगा
Aapko credit bureau ke paas grievance raise karni padegi aur bureau aapke case ko assess kar aapke credit report mein hui mistake ko 30 dino ke andar theek karega.
I will apply for PMEGP loan for thet I want my authentic cibil score, how I will get
You can check your CIBIL score directly from Paisabazaar. The score is authentic and details mentioned in the report are provided as per CIBIL’s database.