How to check CIBIL Score?

Here’s how to check CIBIL score,

• The easiest and most reliable way to check your CIBIL score is through the official credit bureau website or authorised financial platforms. First, visit a credit score checking platform such as the official CIBIL website (

  https://www.cibil.com/

  ) or a trusted partner website that offers a free credit score service.

• After opening the page, select the option like “Check Free CIBIL Score” or “Get Your Credit Report.” You will then need to create an account by entering basic personal details such as your full name, PAN card number, date of birth, email ID, mobile number, and residential address. These details help the credit bureau identify your credit profile linked with your PAN card.

• Once you submit your information, the platform will send a one-time password (OTP) to your registered mobile number for identity verification. After entering the OTP and completing the verification process, your credit profile is retrieved from the database.

• Within seconds, you can view your CIBIL score along with a detailed credit report that shows your loan accounts, credit cards, repayment history, outstanding balances, and past credit enquiries made by lenders.

This report helps you understand what factors are affecting your score and whether there are any mistakes that need correction. In India, credit bureaus are required to provide one free CIBIL report every year, and checking your own score is considered a soft enquiry, which means it does not reduce or negatively impact your credit score.

To know how to check CIBIL score, you must visit the official CIBIL website. Your CIBIL score is a three-digit number between 300 and 900 that shows your creditworthiness based on your loan and credit card repayment history. A higher score (750+) improves chances of loan and credit approvals, while a lower score may make borrowing harder. I have shared the detailed steps below.

How to Check My CIBIL Score?

The official TransUnion CIBIL website is the most dependable approach to check your CIBIL score. Here are the steps to check CIBIL or your credit score:

• Visit

  cibil.com

  and click Get Your CIBIL Score & Report. 

• Enter details, like PAN card number, name, date of birth, email, and mobile number. 

• Complete OTP verification sent to your registered mobile or email.

• Once verified, you’ll see your CIBIL score and detailed credit report. You get one free credit report per year. Additional reports usually incur a fee.

Several third-party sites, such as NoBroker Home Loan, Paisabazaar, BankBazaar, OneScore, or CreditMantri, allow free monthly CIBIL score checks after OTP verification. Some digital payment apps like PhonePe, Google Pay, and Paytm also show your CIBIL score within the app without a separate download, using your PAN and phone number.

What to Do If You Find Errors in Your CIBIL Report?

If you find any wrong personal information, loan entries, or late payments, file a dispute on the CIBIL website or via the platform you utilised. Corrections typically take several weeks. This is all about how to check credit score.

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You will have to go to the official website of CIBIL to check your CIBIL score. You will have to create your account first by entering your personal details and PAN details. After that, you will be able to see your CIBIL score.