Credit Score Guide #63: How to Check Your CIBIL Score for Free (Without Reducing It)

 

Want to Know Your Credit Score But Don’t Want It to Drop? Here’s the Right Way

Your credit score is the entry ticket to loans, cards, EMIs, and more. Checking it doesn’t hurt your score — but here’s how to do it the right way.

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🧠 Soft vs Hard Inquiry

• Soft Inquiry: You check your own score (No effect on CIBIL)
• Hard Inquiry: Bank/lender checks for approval (May reduce score)

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🧾 Best Free Platforms to Check Score in India

• OneScore App
• Paytm Credit Report
• Bajaj Finserv App
• Banking apps like HDFC, ICICI

No hidden fees, no OTP spam. Just your PAN card and mobile.

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📈 What’s a Good Score?

Range	Status
750–900	Excellent
700–749	Good
650–699	Fair
<650	Poor – needs improvement

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💡 What to Check in Report

• Credit card limits
• Loan status (active/closed)
• Missed payments
• Number of inquiries

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✅ Conclusion

Checking your CIBIL regularly = better financial control. Do it once every 2–3 months to stay credit-ready always.

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