Credit Score Checker

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Your CIBIL Score

Generating your report...
-30 pts
580
Fair Credit Score
300
900
You're 180 points away from an Excellent credit rating
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Simple Ways to Improve Your Credit Score

Pay your bill on time

Timely payments show lenders that you're a responsible borrower. Even one missed or late payment can negatively impact your credit score.

Pay bill
Limited credit accounts

Avoid applying for too many credit cards or loans at once. Too many active accounts or frequent credit inquiries can lower your score.

Credit accounts
Maintain card utilisation

Keep your credit card usage below 30% of your total limit. Low utilisation indicates good credit management and boosts your credit health.

Card utilisation
Regularly Check Your CIBIL Report

Review your credit report often to track your progress and understand factors affecting your score. It also helps you spot any unusual activity early.

CIBIL Report
Keep credit report error-free

Ensure all details on your credit report are accurate. Report and correct any errors immediately to maintain a healthy credit profile.

Error Report

What Do Different Credit Score Ranges Indicates

Credit Score Levels Category What does the score mean?
No History No Credit History Establish a credit record by getting your first loan or credit card.
300-650 Poor Difficulty in timely payments can lead to higher interest rates.
651-750 Fair High default risk results in low approval chances and higher rates.
751-850 Good Improved credit score increases loan approvals and negotiation power.
850 and above Excellent Strong credit history brings better approval rates, lower interest, and exclusive benefits.

Frequently Asked Questions

A credit score is a number that summarizes a person’s liability for a financial obligation or trust based on their recorded history of dealings with financial institutions.

Evaluating credit history is a good financial practice and should be done at least once every three to six months.

Not really. Checking on one’s score is a soft inquiry and therefore won’t have any adverse effects on the credit score.

To strengthen borrower-lender relations, one should keep paying their credit obligations on a timely manner, lower the use of credit, and avoid securing several loans at the same period.

  • Start making timely repayments and pay off any outstanding dues.
  • Avoid conducting credit enquiries until your score improves.
  • Keep your overall credit utilization low.
  • If your score is impacted by inaccurate information, raise a dispute immediately to get it resolved.

  • A good CIBIL score is important for loan approval.
  • If you don't have a CIBIL score, new-to-credit applicants may still get a loan, but the terms could be less favorable.
  • You may have to pay a higher cost of credit compared to those with an established score.

  • A CIBIL score between 700 and 750 may limit access to the best loan offers and credit cards.
  • You may end up paying a higher cost of credit, even if your loan application is approved.

  • A credit score is a numerical representation of your creditworthiness.
  • When this score is generated by TransUnion CIBIL, it is known as the CIBIL score.
  • Other bureaus like Experian, Equifax, and CRIF High Mark also provide credit scores.

  • To check your CIBIL score, fill in personal details such as name, gender, mobile number, and PAN card details on a platform like Paisabazaar.
  • Your PAN card is mandatory to generate your credit score.

  • Most issuers require a minimum CIBIL score of 750 for approval.
  • Some issuers may approve credit cards with a lower score, but a higher score increases eligibility for better offers.
  • Aim for a CIBIL score as close to 900 as possible for the best credit card deals.

  • Both Experian and CIBIL use their own proprietary models to calculate credit scores.
  • Therefore, an applicant may have different credit scores from each bureau.

  • Multiple credit enquiries in a short span can signal desperation for credit and may lower your score.
  • Each hard enquiry has the potential to negatively affect your score.
  • To minimize impact, do proper research and only apply for the best feasible loan or credit card offers.

  • Credit Report: A personal score report provided by bureaus like CIBIL, Experian, Equifax, and CRIF High Mark.
  • Credit Rating: Provided by agencies like CRISIL or ICRA, applicable to companies and organizations, not individuals.