How to Check CIBIL Score for Free

A score above 750 is considered excellent and improves your chance of approval with better interest rates.

· Below 600: Loan/credit card approval becomes very difficult, unless secured.

· CIBIL scores range from 300 (lowest) to 900 (highest)

Visit the Official CIBIL Website🔗 https://www.cibil.com/freecibilscore
Click on “Get Your Free CIBIL Score”
Register / Sign In Fill in your:
- Full Name (as per PAN)
- Date of Birth
- PAN Number
- Email ID
- Mobile Number
Verify OTPEnter the OTP sent to your registered mobile number/email.
Answer Security Questions (if prompted)This helps verify your identity with existing credit data.
Access Your Score. Once verified, your CIBIL Score (300–900) and Credit Report will be displayed on your dashboard.

Types of Credit Scores in India

Score Type	Issued By	Score Range	Purpose
CIBIL Score	TransUnion CIBIL	300 – 900	Most widely used by banks/NBFCs for loans and credit cards.
Experian Credit Score	Experian India	300 – 900	Used by some banks for retail and personal loan approvals.
Equifax Credit Score	Equifax India	300 – 900	Less common; used by select lenders and financial companies.
CRIF High Mark Score	CRIF High Mark	300 – 900	Used mainly by NBFCs, microfinance, and some banks.
Commercial Credit Score	CIBIL/CRIF/Equifax	1 – 10	For businesses & companies (not individuals); 1 is best.
Internal Bank Scores	Banks (e.g., HDFC, SBI)	Varies	Custom risk scores used by banks based on customer history.

Additional Score Types (Contextual)

Type	Description
Credit Rank (by CIBIL)	Ranking for commercial borrowers (businesses) on a scale from 1 to 10.
Risk Score (Internal Models)	Banks/Fintechs assign scores based on income, past repayment, and transaction.
Behavioural Score	Fintech companies use alternative data like mobile bill payment history, etc.

Which Score Matters Most?

For individuals in India, the CIBIL score is the most commonly used and recognized by banks, followed by Experian.

CIBIL Score Requirements for Different Credit Products

Product Type	Ideal CIBIL Score	Eligibility Range	Remarks
Home Loan	750+	700 – 900	Lower interest rates offered at 750+. Loans may still be approved above 700.
Personal Loan	750+	700 – 900	High scores ensure better approval chances and lower interest.
Credit Card (Basic)	700+	650 – 900	Cards with basic features approved from 650+, premium cards at 750+.
Credit Card (Premium)	750+	750 – 900	Requires a strong credit profile, stable income, and low utilization ratio.
Car Loan	700+	650 – 900	Lenders may approve even at 650 with income proof or co-applicant.
Business Loan	750+ (personal score)	700 – 900	Business and personal CIBIL may be checked; good score leads to lower rates.
Education Loan	Not critical (if secured)	600+	If collateral is provided, score may not matter much. Co-applicant's score helps.
Overdraft (OD) Facility	700+	650 – 900	OD based on credit score and current account relationship.
Loan Against Property	700+	650 – 900	Collateral helps; a higher score results in better terms.
Gold Loan	Not Required	NA	Usually does not require a credit check as it’s fully secured.
Two-Wheeler Loan	650+	600 – 900	Entry-level loans may be approved at 600+, but with higher interest rates.

Common CIBIL Issues & How to Resolve Them

Issue	Reason	How to Fix It
Incorrect Personal Details	Wrong name, PAN, address, or date of birth	Raise a dispute on CIBIL Dispute Portal
Loan/Credit Not Belonging to You	Someone else’s credit showing on your report	File a dispute and attach proof of identity
Outstanding Dues Already Paid	Paid but still shown as unpaid	Contact the lender and ask them to update it with CIBIL
Closed Account Shown as Open	Account closed, but status not updated	Provide closure letter and raise a dispute with CIBIL
Duplicate Entries	Same account/loan shown more than once	Raise a dispute with CIBIL to merge or delete the duplicate
Low Score Despite Good Credit Behavior	Credit score not updated recently	Check latest report (updated monthly); if still wrong, contact CIBIL or the lender
Old Settled Account Still Showing Negative	Settled account still marked as "Written-off/Settled"	Only "paid in full" removes negatives. Negotiate with lender to update as "closed" after full payment
Rejected Loan/Credit Due to Low Score	Poor credit history or high utilization	Start rebuilding score (see earlier table) and reapply after 6 months
Identity Theft or Fraud	Fraudulent loans/cards taken using your PAN	File an FIR, inform CIBIL, and contact the financial institution involved

How to Raise a Dispute on CIBIL (Step-by-Step)

📞 CIBIL Contact Details for Help

A step-by-step guide in table format to help you improve your CIBIL credit score effectively

Step No.	Action	Description	Impact on CIBIL Score
1	Check Your Credit Report	Download your report from CIBIL or other bureaus. Identify errors.	High – Correcting errors can boost score.
2	Dispute Inaccuracies	Raise disputes for wrong entries (defaults, closed loans showing active, etc.)	High – Resolves unfair negative impact.
3	Pay Outstanding Dues	Settle or fully repay all credit card/loan dues, especially those overdue.	Very High – Reduces default status.
4	Pay On Time Going Forward	Always pay EMIs and card bills before the due date.	High – Builds consistent payment history.
5	Maintain Low Credit Utilization Ratio	Use less than 30% of your credit card limit.	Medium – Shows responsible credit usage.
6	Avoid Too Many Loans/Cards at Once	Multiple applications in a short time lowers score.	Medium – Lowers perceived credit hunger.
7	Keep Old Credit Cards Active	Long credit history helps. Do not close old cards unless necessary.	Medium – Improves credit age factor.
8	Have a Mix of Credit Types	Use both secured (home loan) and unsecured (credit card) responsibly.	Medium – Shows credit management skills.
9	Get a Secured Credit Card (if score is low)	Use FD-backed card and pay on time.	High – Rebuilds score gradually.
10	Set Payment Reminders or Autopay	Automate or remind yourself to avoid missing payments.	High – Prevents accidental defaults.

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