10 minutes video guide to check your FREE Credit Report & Score

POSTED BY manish ON March 27, 2017 COMMENTS (71)

Do you know that every person is entitled for 1 free credit report and score each year from each of the credit bureau in India? There are 4 credit bureau in India which is CIBIL, Experian, Equifax and HighMark.

As per RBI guidelines, now each of them have to provide one free report each year. For those of you who do not know, a credit report is a document which has all your past loans repayment history and a score which tells a lender if you should be given any loan or not.

So each lender checks these reports and score as part of their loan approval process. It’s very important for investors to keep track of their credit scores from time to time.

How to get free credit report and score in India each year

Step by Step Process to Check FREE Score online

So today I am going to share the process of getting the free report and score online from each CIBIL Transunion, Experian, Equifax and Highmark credit bureau. I have personally checked my own score + report from each credit bureau and I will teach you the step by step process of how you can do it too. The whole process is online and you do not have to fill any form by hand or send any documents anywhere.

Note that your credit report will be available only if you have taken some kind of loan or credit card. So if you do not have any kind of loan, you will most probably not have it, unless someone has misused your documents and applied for some loan.

So let’s start with CIBIL first..

How to check FREE CIBIL report and Score?

In order to check your free cibil transunion report and score, you need to following steps

  • Go to https://www.cibil.com/freecibilscore
  • On that page, click on the link which asks you to apply for free report
  • Enter your basic details like name, address, PAN etc and submit
  • Enter more details on the next page which asks you detailed information
  • Once you fill the details, CIBIL will send you a temporary password on email
  • Then go to https://www.cibil.com/mycibil/ and sign in with your temporary password
  • Change the password mycibilpage and relogin with the new password
  • Now on this page, you need to verify your details like loans and amounts
  • If everything is correct, then you will be taken to a page which shows you FREE Report

Note that you should watch the video above to exactly understand the steps required to check your report.

How to Check FREE Experian Report and Score each year?

In order to check your free Experian report and score, you need to following steps

  • Go to http://www.experian.in/index.html
  • On the right bottom sidebar, you will see a link for free score and report, click on that
  • It will take you to http://www.experian.in/consumer/experian-free-credit-report.html
  • Enter your basic details like Name, Email and Phone and submit
  • You will get a voucher code in your email using which you can get free report
  • Go to https://consumer.experian.in/ECV/content/landingPageSubmit.action
  • Enter your current details like Identity Details, Contact details etc and continue to step 2
  • Confirm your email on next page, and then go to your email to click on a link inside for email verification
  • On the page, enter your voucher number and move ahead
  • You will then be asked for some verification questions related to your debt.
  • Once you answer them correctly, you will be taken to your free report

How to Check FREE Equifax Credit Report and Score?

Here are the steps to check your free Equifax report and score

  • Download the Equifax India mobile app (android or iOS)
  • Register your email and get temporary PIN number
  • Enter temporary PIN and reset a new PIN and then relogin to the App
  • Enter your Name, Phone, Date of Birth and Adhaar Card
  • An OTP will come to your phone number which is linked to adhaar card
  • After OTP verification, your KYC check will be complete
  • On the app, click on link “Credit Report”
  • On the page, click on link “Request Free Credit Report”
  • Enter all your details and then click on Submit
  • Now your “Knowledge based Assessment” will be in pending stage.
  • After 24 hours, your knowledge based assessment will get generated.
  • Click on the app, and click on the link which says “Knowledge based assessment”
  • Give correct answers to the questions asked, after which your credit report will be in “Initiated” stage
  • After 24-48 hours, you will get an email with the free credit report as attachment
  • Download the attachment and have a look at your report and score.
  • You can also login to app and check your report there

For those , who do not have mobile linked with adhaar, they can send their KYC documents along with a filled form to Equifax customer care, and on verification they will get their free report in 48 hours

How to Check FREE Highmark Credit Report and Score?

Here are the steps to check your free Highmark credit report

  • Go to https://cir.crifhighmark.com
  • Register as a new user and set your new password
  • Activate your account by clicking on the link inside the email
  • Again login and choose an option to get free report on the top of the page
  • Enter all your details and click submit
  • You will get notification that enquiry was successful and now wait for the email
  • After few hours, you will get an authentication email
  • Click on the link and verify some of the information asked on the page
  • On successful verification, you will get an email with PDF attachment after 48 hours
  • Open you free Highmark report and check it

I hope the above videos must have given a good clarity on what needs to be done to check your report online, totally free of cost.

Why you should check your report every year?

Credit report is fast becoming a very integral part of credit system in India from last few years (it’s already is). It’s highly recommended to have a clean record and a fairly good credit score if you don’t want to get rejected for your future loan applications.

Now with one free report from every credit bureau, everyone should check theirs from each company and make sure that all the credit remakes and details like name, age, score and other details are correct. If you find any problems, immediately raise a dispute with the lender and the credit bureau and start fixing it.

PRO Tip – Subscribe to each report with the gap of 90 days

One of our readers Krishna mentioned a wonderful tip

Don’t subscribe all 4 reports at the same time. Time them one per quarter so you can monitor your credit report for any frauds frequently instead of once every year.

So the point is that if you divide your free reports checks every 90 days , you will be able to find out if there was any frauds happening throughout the whole year. However if you just apply for all the reports in a single month, then you will be able to apply them only next year.

Let me know if you face any issues while checking your free report

Get FREE call back from Jagoinvestor Team

First Name*
Email*
Mobile*
City*
Yearly Income*
Time to Talk*
Which Package*
Your Requirement
Lead Source
Lead Status

71 replies on this article “10 minutes video guide to check your FREE Credit Report & Score”

  1. Anubhav says:

    Thanks Manish for the information, I used Cibil website to get my credit report. But it had lot information wrong. Wrong address, DOB, and also it was showing a load on my name which i never took. So how reliable are these reports. If there are such mistakes how and where to get them rectify?
    TIA

  2. Vignesh says:

    Thaanks for this Manish, as i log into the portal it shows my CIBIL score. So if I log in after 3 months, wont it show my recent score? I dont reckon otherwise how would they get any paid subscription!

    1. No, it wont .

      After the first time, if want updated score, you will need to pay.

      I think what ever we are getting in FREE is good enough 🙂 . I personally have no complains !

  3. Ravi says:

    Theree seems to be a CIBIL scam about the free report. After uploading the docs, they responded that the doc was in vernaculer, even though they were in ENGLISH. Then after the same was uploaded, they promised to respond in 7 days. This was 20 days ago.
    A reminder again resulted in the ‘vernaculer’ excuse. This after they accepted the docs.
    Today is 1 May and they are yet to respond.

    Then policybazar was also offering free reports and send an OTP to your cell, but the website thereafter hands and refuses to load.

    I suspect CIBIL is deliberately avoiding to provide free reports.

    1. Did you talk to their customer care on this ?

  4. Prakash G says:

    The steps given for a free CIBIL report are incomplete. Once you fill all the details then they ask you to upload the proof of identity provided such as PAN and also proof of address. Only then they send you the required email.

    So unless you upload the documents they do not verify and hence do not send any email to access free report.

    Kindly note this

    1. Did they ask you this for CIBIL check? Yes it may be asked for the first time. I actually had checked by once by paying, so I might have uploaded it that time.

  5. DEBASHIS says:

    Got free credit report from Experian. Credit score close to 900.
    Thanks for the information.

    1. Glad to know that DEBASHIS ..

  6. baljit says:

    is it not like asking somebody (credit giving agency),
    how I look when I am naked,
    and that somebody (credit giving agency) asking me, get naked(tell me your loan details, which I will use against you,,LOL) and I will tell you.
    hahhahahahahahah

    man
    get naked and look in mirror, you will know what you look naked(your credit report)
    you need not ask anyone dear

    1. Its a global practice 🙂

  7. Sumeet says:

    Thankyou Manish,

    For sharing the information and explaining the process in lucid language. I was very much glad to see my credit score very close to 900.
    And also thank you Krishna for that wise advice.

    1. Thanks for your comment Sumeet

  8. Naresh says:

    Hi Manish,

    Is this CIBIL website is secure? CIBIL works under any government department?

    1. Well I cant certify that . But CIBIL uses https// and its a company formed with joint venture of many big banks, so that are not a fraud website 🙂

  9. Nimesh Shah says:

    CIBIL allows to only view your credit report and score. There is no option to download the same. Dont know about others…

    1. They send the CIBIL report in mail . I have downloaded it !

      1. Kiran says:

        I didn’t receive any mail to download it

        1. I did . .I think you should talk to CIBIL in that case !

  10. anupam says:

    Cool, I got myCIBIL score of 840 🙂
    Its showing all my records credit card/personal loan/home loan since April 2006

    Good that someone capturing this INFO, I hope it will benefit me in long run 🙂

  11. Jagadeesh says:

    Good info, thanks much!

    1. Thanks for your comment Jagadeesh

  12. Abhimanyu Sahoo says:

    Thanks a lot… I found my CIBIL score interestingly I was not aware of this. I always thought I have to pay for this.
    Very good information. Once again thanks a lot .

    1. Glad to know that Abhimanyu Sahoo ..

  13. Abhay Bhave says:

    Thanks a lot for such a good information.

  14. Pratik Desai says:

    Highmark Credit Report and Score is not free. They do not have option for free report when we log in. They charge 399/- INR for the report.

    1. Prateek

      There is .

      I checked mine for FREE . When you put your details , there are two options ,one if with Rs 399, and another is for FREE .See the video, I have explained how to get it for FREE

      1. Pratik Desai says:

        Sure. I will check out. Appreciate your help. This article is really very helpful.

  15. naveen says:

    Hi Manish ,

    Great article . I got my last cibil score report in 2012 with score was 816 .

    Now i tried to get my free report and found my score as 864 , felt very happy …

    Hope my disciplined payments have yielded decent increase in score

  16. Arpit says:

    Thanks Manish for this wonderful information.
    I found myself in the green zone..

  17. Krishna K says:

    Manish, Thank you for the information. Very useful. Not knowing about free report (I thought its only for their promotion and not complete), I spent twice for credit report recently. I have a related question in this regard.
    Recently I took a credit score report from High Mark (paid). They mixed up another PAN number with mine and gave a score of 754. When I am asking my credit report based on my PAN number, how can they add another PAN number? Alerted, I applied again in CIBIL for a paid score. This report came correct with a score of 844.
    Now can I claim a refund with High Mark as they have done a mistake in the report? Or should I apply for correction?

    1. I dont think you can claim a refund as such.

      Check with highmark on the goof up and get it resolved, but I dont think refund is possible

  18. Radha says:

    Great work.

  19. Akash says:

    Excellent thanks for the article. Didn’t know about this.

  20. Kiran says:

    Thanks Manish, I just get my report and its showing 832 points, how can we check why it is lower as I do not have any pending issues with any banks or no any settlements

    1. Kiran says:

      Why some places showing XXX any idea?

      1. Where?

        IT might be the DPD section . Which means that no data was found for that month !

    2. Its like marks you get in English ! .. It wont be 100/100 🙂

      So 832 is a wonderful score. Just because you have never had any pending or settled issues, does not mean that you will get 900/900 . The way they calculate Score is very complicated. You should be happy that you are in GREEN Zone and thats what matters !

  21. Krishna says:

    Thanks for this information Manish! It is really useful. One suggestion to all friends here….Don’t subscribe all 4 reports at the same time. Time them one per quarter so you can monitor your credit report for any frauds frequently instead of once every year.

    1. Thats a wonderful point .

      I am actually putting that point in the article 🙂 . I didnt think about that !

      1. Krishna says:

        Glad I could contribute to this wonderful community! 🙂

        1. I have already put that in the article the day you commented 🙂

          Manish

  22. Chirag says:

    Very helpful. Just got my free CIBIL report….Thank you.

  23. Subbu says:

    Got my free CIBIL score report, thanks. Raised couple of disputes as well, let me wait and see what they respond to it.

  24. Manish K Gupta says:

    Thanks Manish.. Usually i purchase a cibil report once every 2 years to keep a watch but thanks to this info., i can it free from cibil every year.. plus from other credit bureau too..

    1. Yea .. did you apply it from others as well ?

      1. Manish K Gupta says:

        Not yet. will make it once every quarter. . Though im green zone, past 800 mark in cibil, will check others in subsequent quarters.

  25. Dileep says:

    Ohh if we can get our free report directly, they why is Paisabazaar.com advertising so much they are giving us free report and they are advertising in such a way that they are paying 1200/- on behalf of us and getting us the report for free.

    1. Yea 🙂 .

      Marketing tactics 🙂

  26. Muthu says:

    Excellent. I just got my free report. A very useful article.

    1. Glad to know that. Which report did you apply for ? All 4 of them?

      Manish

      1. Sunil says:

        No. I just got the CIBIL Score….and report.

      2. Muthu says:

        I got my CIBIL report only. 838 is my score.

        1. Glad to know that Muthu ..

  27. Sunil says:

    Thank you for sharing the information. It is really useful. One question: When you say we can get free credit once a year, is that calendar year or financial year?

    1. Calender Year I guess.

  28. Arun says:

    I did this earlier. Works fine. The downside to this is, your information is sold to all and sundry. Noticed a 500% increase in financial product bull crap and unwanted calls from telemarketers selling loans.

    1. Hmm.. Yea, might be the case !

    2. Anjan says:

      This is what happens when you don’t have any privacy laws in your country. It’s really sad that information is sold out to third parties like this without explicit permission of the owner. I was surprised to know CIBIL even has my phone number even though I never gave it to them. If banks are sharing such information with them, there should be some regulatory guidelines to prevent misuse of such information.

      1. Anjan

        Credit Beaureu get their data from the Banks/lenders. Mostly of the Beaureu are actually a company which is a joint venture of the banks itself.

Comments are closed.

Subscribe to Emails

More than 1,50,000 investors across the world trust & read Jagoinvetor articles. Subscribe for emails updates and get instant access to a free ebook.

Jagoinvestor is one of the most trusted personal finance websites which writes on various topics like financial planning, mutual funds, insurance and banking.

 

Download Our FREE Ebook!

Available only for first 100 people today

Download Our FREE Ebook!

Available only for first 100 people today