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Checking and downloading your credit report or credit score is Free of Cost at Paisabazaar.com. However, TransUnion CIBIL and other credit bureaus do charges some minimum amount per month to provide credit report to individuals and companies. Paisabazaar has partnered with leading multiple credit bureaus, such as TransUnion CIBIL, Experian, CRIF High Mark, and Equifax that enables you to check and download your credit report absolutely free.
Credit Rating for Companies – Credit Score for you. What’s your score? Check Now
Steps to Check your CIBIL score for Free
Below mentioned are the simple steps to check your CIBIL score for free:
Step 1: Click here to get the free credit score/report
Step 2: Enter your basic details, such as gender, full name, email address and mobile number to verify using OTP authentication by clicking on ‘Get Free Credit Report’ button.
Step 3: After you click on the ‘Get Free Credit Report’ button, you will get credit scores from all 4 credit bureaus
Step 4: On CIBIL tab, click on ‘Download Report’ to further choose the language and month and click on the ‘Download’ button to download your CIBIL report
Step 5: Your Date of Birth (DDMMYYYY format) is the password of your CIBIL report
Benefits of checking your Credit Score
- Multiple Bureaus – You get your credit report from multiple credit bureaus under single platform and get all reports at free of cost, 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. You can start with a 30 day free trail and subsequently opt for Rs. 99 per month plan
- Detailed Credit Report – Detailed credit report with components, including payment history, accounts, DPD, credit score trends, and more is provided through which you can develop a better understanding of your credit behaviour and also take corrective measures to improve and rebuild the credit score.
- Pre-approved Offers – Paisabazaar provides personalised pre-approved loan 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.
It is worth mentioning that you may get your credit report from any two or any three credit bureaus as well. You might not get the credit report from all four credit bureaus in some cases.
Credit Rating for Companies – Credit Score for you. What’s your score? Check Now
Benefits of Good Credit 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 read: 6 Benefits of High CIBIL Score
FAQs
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. In fact it is recommended to check your credit score on a regular basis in order to stay updated and rectify errors in credit report, if any.
Q. Why do I need to provide my mobile number for checking 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. 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.
Credit Rating for Companies – Credit Score for you. What’s your score? Check Now
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