How to Get CIBIL Score Free Online?

Banks and non-banking finance companies (NBFCs) check your credit background before offering you a credit. Doesn’t matter how significant your earnings may be, a weak credit score plays a spoilsport to your dreams you look to unlock with the power of loans or credit cards.

That’s why you should be aware of your credit score so as to get know whether the time is apt for making an application or not. And, for that matter, you can check CIBIL score free online. CIBIL, as you may know, is arguably the country’s largest credit information provider with a host of credit records. So, what are you waiting for? Just check the same with us.

CIBIL Score Check in Pointers

You can check the score in the pointers shown below.

       Visit the website of CIBIL
       Sign up with CIBIL by mentioning some personal and credit details
       Enter your name, PAN number, date of birth, residence address
       Feed credit details such as credit card or loan account number, credit card expiry date or loan tenure, etc
       CIBIL would check the details thoroughly
       Upon a successful verification, you would be allowed a login
       Just choose the user ID and password meeting the requirements in terms of numerics, alphabets and special characters
       Subsequent to login creation, you can check your score

Checking the cibil score comes free once a year. Doing it more than that would cost you 500 and more.

Now that you know the ways to check the score, you should now know what is a good score for personal loans, home loans, credit cards, etc. Let’s find out the score you must have under the below heading.

What is a Good CIBIL Score for Loan or Credit Card Approval?

To ensure a hassle-free approval to loans or credit cards, you must have a credit score of 750 and above. Even a score of 700 to 749 would do the job for you. However, in the case of home loans, the credit score sought is 650 and above. More the score you have greater are the chances of obtaining the approval and at lower interest rates along with enhanced loan or credit limit offer.

What to Do When Your CIBIL Score is Not Up to The Mark?

CIBIL assigns the credit score to individuals having a repayment record of at least 6 months to a year. And, if your score is found to be below what it should be, it’s clear you have committed errors in your credit life, maybe unintentionally. But then, you have all the time in the world to bring the normalcy by following the tips advised in the article.

First of all, you must know where the flaws are. For that, you can ask for a credit report wherein the reasons for a poor credit score would be mentioned. There would even be suggestions to get the score up.

You can just incorporate those suggestions to better your repayment life every passing day, which would eventually result in improving your credit history as well as the score. This would further lead to the happiness by bringing approval to your credit applications.

How to Get CIBIL Score Free Online? How to Get CIBIL Score Free Online? Reviewed by Internal on July 10, 2018 Rating: 5

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