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CIBIL score is one of the crucial parameters that determine an individual’s Home Loan eligibility. Financial literacy is extremely important for smart debt management; thus, improving your knowledge about credit score and its importance are a necessity in today’s digital world. Knowing how to check your credit score can be helpful in this regard.

Step-by-Step Guide: How to Check CIBIL Score Online?

Create your account on the CIBIL website and become a member. Here, you can check your CIBIL score online. We suggest you check your CIBIL score with your PAN number once every year by following the below steps.

  1. Log in to the CIBIL portal

  2. Click on ‘Get your CIBIL score’

  3. Select a subscription plan

  4. Create a login password

  5. Enter PAN and ID type and verify your identity

  6. Pay the subscription fee and then authenticate yourself via OTP/email

  7. Enter personal details to check credit score

Step-by-Step Guide: How to Check My CIBIL Score Offline?

Before applying for a housing loan, Individuals can also opt for the offline process to access credit details.

Read on to know how to check credit score offline.

  1. Visit the CIBIL website and download the consumer request form

  2. Fill up the form with essential details

  3. A demand draft made out in favour of TransUnion CIBIL has to be attached

  4. Mail the form and demand draft to TransUnion CIBIL's office in Mumbai

On receiving the mail, the concerned body will carry out the required formalities. Subsequently, the CIBIL report will be mailed to the individual’s address.

What Is a Credit Report and Why Is It Important?

A credit report is a statement that comprises credit details such as an individual's credit activity, number of active credit accounts, loan repayment, and inquiries. Collectively, these details help determine a borrower’s financial stability and creditworthiness.

The details are compiled by credit bureaus from creditors such as financial institutions and credit card companies. This credit report enables the lender to decide whether a loan applicant matches the housing loan eligibility criteria or not.

The report also helps lenders decide the eligible loan amount and interest rate for the individual. Since a lot depends on the credit report, individuals need to make an effort to review it frequently. By doing so, they will be able to identify inaccuracies and get them rectified at the earliest to avoid erosion of credit score.

Individuals also have the option to access credit details via PAN card or via mail. Reviewing credit score and report timely can help eliminate errors and improve credit score.

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