Multiple Ways to Check Your CIBIL Score Online

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5 min 14 Mar 2023

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Various Methods of Checking Your CIBIL Score

Four credit information bureaus operate in India – Equifax, Experian, CRIF High Mark, and Credit Information Bureau Limited (CIBIL). These credit bureaus collect information about borrowers, which is like a portrait defining various aspects such as borrower’s punctuality in the payment of their EMIs and credit card dues, their debt-to-income ratio, their debt obligations, their fixed-obligation-to-income ratio and so on. Based on these parameters, these credit information bureaus prepare credit reports and assign credit scores to borrowers.

Of these four credit information bureaus, TransUnion CIBIL is the most well-recognised and well-trusted. In fact, most lenders operating in India work with CIBIL to understand a potential borrower’s creditworthiness and repayment capacity. The credit rating given by CIBIL is known as the CIBIL Score.

Loan applicants must check their CIBIL score before applying for a loan so that they can take corrective measures in case their CIBIL score does not meet their lender’s qualifying criteria. The question however is: how does one check CIBIL score online? This brief guide answers this very question. So, read on.

How Can I Check My CIBIL Score?

You can check their CIBIL score online on the official website of CIBIL by paying a nominal fee or by visiting your preferred lender's website, which allows borrowers to check CIBIL for free.

Method 1: Through the Official Website of CIBIL

The first method requires a borrower to go to the website of TransUnion CIBIL and fill out an application form in these steps:

Sign up and create an account.
Once you have created an account, request to get access to your credit report by filling out an application form. In the form, you will be required to disclose details, such as your phone number and email address.
Pay a nominal fee.
Once you have made the payment, TransUnion CIBIL will send you your elaborate credit report on your registered email ID.

People Also Read: How to Check and Improve CIBIL Score?

Method 2: Through Any Lender's Website

Borrowers can also check their credit score through any lender's website, which offers this service. By using these websites, applicants can check their CIBIL score multiple times without paying any fee. The information you provide here will remain safe with the operators of the website and security won’t be an issue. All you have to do is register with the website using your phone number and OTP. Once you have done that, you can check your CIBIL score using either your PAN Card or Aadhaar details.

A. By Using Your PAN Card

You can do a CIBIL score check free online by PAN number. These websites ask for an applicant’s PAN details as these details allow these companies to access an individual’s credit records accurately. If you are using your PAN details to check your credit score, make sure to enter all details accurately – all details you enter on the website should match the details on your PAN Card.

Next, follow these steps to check your CIBIL score online using your PAN details:

Go to a trustworthy website that allows you to check your CIBIL score online for free.
Create an account and look for an option to check your CIBIL score.
Enter details, such as name and date of birth as per those given in your PAN Card.
You will also be required to enter your phone number, residential address, and mobile number.
Submit and you will see your credit score on the screen.

Note that the steps may vary based on the lender.

Also Read: How to Check CIBIL Score with PAN Card for Free in 3 Steps

B. By using Your Aadhaar Card

If you want to check your CIBIL score using Aadhaar, follow these steps:

Create an account on your preferred website and look for the credit score download option.
Enter details, such as name and date of birth according to your Aadhaar.
Press submit and you should see your credit score on the screen right after.

Note that the steps to check your CIBIL score using an Aadhaar Card may vary based on the lender.

Those planning to avail of a loan should get their credit report at least six months in advance. This will give them ample time to report issues and errors as well as take corrective measures in case their credit score does not meet their lender's eligibility requirements. These days, it has become quite easy to check one's CIBIL score online. Follow one of the methods mentioned above and get access to your credit report for free.

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