Check Your Credit Score Online for Free

• Credit Score is the individual’s loan repayment ability represented in 3-digit numbers.
• Credit Ratings generally give credit ratings to corporations and government entities whether they can meet their financial commitments.
• Credit Report shows a credit history, basically a summary of a potential borrower to the lenders that represents their creditworthiness.

You can follow the below simple steps to check credit score for free:

1. Enter your basic details.
2. Add your mobile number and Email ID.
3. Verify your mobile number with the OTP sent.
4. Once the process is completed, your credit score will be displayed on the screen.
5. You can also see the detailed report by clicking on ‘View detailed report’.

A credit score or CIBIL score is generally calculated on below factors:

1. Your EMI payment patterns
2. How much money you owe
3. How many active loans do you have
4. Whether you are a defaulter in the past

There can be multiple reasons as to why your CIBIL score or other credit score keeps changing. 

• If you spend more than usual or utilise the entire credit limit, you might witness a dip in your credit score
• Your credit score improves if you pay your loan EMIs on time
• Similarly, if you pay off your credit card bill payments timely, it also helps in improving your credit score