Want to See Your Credit Score? Here's How to Check
It Online Without Paying
Your CIBIL
score is used by lenders before giving you any loan or credit card. Thankfully,
checking it is free and doesn’t affect your score.
🧾 Best Ways to Check CIBIL Score for Free
1. CIBIL Website (One Free Check Per Year)
- Visit cibil.com
- Click on “Get your free
CIBIL score”
- Enter PAN, DOB, mobile
number
- Get report via email
2. Free Apps That Show CIBIL Anytime
- OneScore (Best UI, no ads)
- Paytm
- Bajaj Finserv App
- CreditMantri
- Banking apps like HDFC,
ICICI, SBI YONO
These
apps show live updates without harming your score.
📌 What You See in Report:
- CIBIL score (300–900)
- Your credit history (loans/cards)
- Delays, defaults
- Hard enquiries
- Score trends over time
🧠 Pro Tips:
- Don’t check CIBIL score via
“Apply for Loan” portals — they might run hard enquiries
- Prefer personal finance apps
over loan-selling apps
- Recheck monthly if you're
repairing your credit
✅ Conclusion
Checking
your score regularly = financial awareness. Make it a monthly habit to avoid
surprises when you actually need credit.
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