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How to check your credit score

Step 1

Register your basic contact details for OTP verification

Step 3

Share the relevant information as required

Step 2

Apply the received OTP for further procedure

Step 5

Download the Credit Report, if required

Step 4

Check your latest Credit Report on display

How to check your credit score

Step 1

Register your basic contact details for OTP verification

Step 2

Apply the received OTP for further procedure

Step 3

Share the relevant information as required

Step 4

Check your latest Credit Report on display

Step 5

Download the Credit Report, if required

Factors affecting your CIBIL Score

Our Credit Calculator generates your CIBIL Score based on the following varying factors:

Credit Repayment History

Delays in payments reflect badly on your PAN. It will further lower your CIBIL Score, indicating your inability to repay.

Multiple Loan Enquiries

Making multiple inquiries for Fund Disbursal adversely affects your credit score. Filing multiple inquiries decreases your CIBIL Score.

A Mix of Bad Credits

Using one type of credit for a long time will not improve your credit score.

Method of Credit Utilization

Banks abstain from credit-hungry loaners because of too many credit cards and loans application. It will also make your CIBIL score dip.

Heavy Debts on the Fundseeker

Your existing debt also impacts your credit score, as paying EMIs of separate loans can yield a poor credit score.

Credit History Duration

Here, the duration means the period the loan account has been kept open, ultimately affecting your Score.

Improve your CIBIL Score to get avail of Loans easily

Tips to improve your CIBIL Score
Restrict your Credit Limit Usage

The Fundseeker must restrain himself from using credit limits. Experts consider a maximum of 30% credit utilization good.

Maintain a Mix of Loans

The Fundseeker must maintain a healthy credit mix of unsecured as well as secured loans, such as home loans, personal loans, credit cards, etc.

Pay your Dues on time

The Fundseeker must respect the deadline by paying his dues on time, such as credit card dues and loan EMIs.

Periodically apply for Fresh Credit

The Fundseeker must apply for fresh credits regularly without showing credit-hungry behaviour.

Keep a tap on your Accounts

The Fundseeker must periodically check for its co-signed, guaranteed, and joint accounts.

Keep greener engagement with CIBIL Score

The Fundseeker must check his or her CIBIL Score periodically throughout the year.

Maintain Impressive Credit History

The Fundseeker must primarily maintain an impressive credit history to apply for future loan requirements.

Frequently asked questions

Want to know more about CIBIL score ? Here are some common questions answered.

A.A credit score is a numerical representation of an individual's creditworthiness. It is a measure used by lenders, such as banks and credit card companies, to assess the risk involved in lending money or extending credit to a person. Credit scores are typically generated by credit bureaus or credit reporting agencies based on the individual's credit history and other relevant financial information.

A. You can check your Credit Score by registering your basic details with us along with your PAN & Aadhar Card number. You do not need to open an account to check your Credit score.

A. When a novice who hadn’t applied for a Loan before applies for a fresh fund, his credit score takes a HIT. The Credit Score takes a HIT whenever an application is placed for a loan.

A. A good Credit score comes in different ranges, such as:
  • Credit Scores 580-669: FAIR
  • Credit Scores 670-739: GOOD
  • Credit Scores 740-799: VERY GOOD
  • Credit Scores 800 & above: EXCELLENT

A. You can increase your Credit Score by:
  • Restricting your Credit Limit Usage
  • Maintaining a Mix of Loans
  • Paying your Dues on time
  • Periodically applying for Fresh Credit
  • Keeping a tap on your Accounts
  • Keeping greener engagement with CIBIL Score
  • Maintaining an Impressive Credit History

A. Yes, the following bureaus compute credit scores in India:
  • Equifax
  • TransUnion CIBIL
  • Experian
  • CRIF Highmark

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