How to Check Your CIBIL / Credit Score for Free

Your credit score (often called a CIBIL score) reflects how reliably you repay loans and credit cards. Under RBI rules, each licensed credit bureau must give you one free full credit report a year — so you never need to pay a random 'score checker' app. See our Credit Score service page for the official sources.

Where to check your score

Check directly on the official website of an RBI-licensed Credit Information Company — CIBIL, Experian, Equifax or CRIF High Mark. Each maintains its own score, so they can differ slightly.

Step-by-step

1. Open the official website of a licensed credit bureau.
2. Register with your PAN and basic personal details.
3. Verify your identity via OTP.
4. View your credit score and full credit report.
5. Review the report for any errors and raise a dispute if something is wrong.

What is a good score?

Scores usually range from 300 to 900. A higher score — commonly 750 and above — improves your chances of loan and credit-card approval, often at better interest rates. Use our EMI Calculator to plan repayments once you're approved.

How to improve your score

• Pay every EMI and credit-card bill on time.
• Keep your credit-card usage well below the limit.
• Avoid applying for many loans/cards in a short span.
• Check your report yearly and fix any errors.