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Credit Score


What is Credit Score?

Your credit score is a three-digit number that represents summary of your credit history and credit rating. A credit score is a three digit number, typically between 300 and 900, which is designed to represent your credit risk, or the likelihood you will pay your bills on time. It is based on the information in your Credit Report and is widely accepted as the primary method of assessing creditworthiness of an individual. You can improve your credit score by paying your bills on time. Late or non- payment of bills and over-extension of credit reduces your credit score.


Why Credit Score is important ?

It is important because Banks and other Lenders check your Credit Score and your Credit Report before approving your loan. Higher your Credit Score, higher are the chances that your Loan will be approved.  Even the interest rate that you will be charged may depend upon your credit score and history


How do I find my Credit Score?

CIBIL, Experian, Equifax and High Mark are the  RBI authorized credit bureaus operating in India. Your Credit Scores & Credit Reports can be obtained from them. From 1 January, 2017 it has become mandatory for all credit information bureaus to give one free credit report once in a financial year to every individual who asks for it.


How to Get Free Credit Report & Score?

You can get your free credit report from any one of the links given below:

CIBIL Free Credit Score & Report -   Please keep your credit-related information like credit card or loan details ready in order to  to authenticate yourself.

EQUIFAX  Full Free Credit Report   - Process involves installing Equifax App from Google Play Store and authentication via Aadhar Card.

EXPERIAN Free Credit Report    - Request your free online Voucher to access your Free Credit Report & Score from Experian

CRIF HIGH MARK Credit Report / Score - Please fill Credit Report request Online. Report is delivered in 7 days.