CIBIL Score Apps in India

It is important to check your CIBIL score before applying for any new credit like a loan or credit card.  While you can check your score on the official website of TransUnion CIBIL, it is also possible to access your score through an app. This enables you to get all important updates and information about your CIBIL score within seconds, anytime, anywhere. It makes monitoring and managing your CIBIL score easier and more convenient.

Here is a list of a few popular apps which you can use your CIBIL score in India:

Bajaj Markets App

The Bajaj Markets App allows you to check your CIBIL score multiple times for free. However, the features of the app are not limited to a simple score check. The application allows you to access a customised credit report which offers a holistic view of your credit profile. It consists of details of your active credit card and loan accounts. 

 

Additionally, the report also contains personalised offers which you can choose from as per your financial situation and requirements. You can also use widgets like ‘DID YOU KNOW’ to learn more about CIBIL scores and factors which impact them. In case you are looking for ways to increase your score, use the ‘IMPROVE YOUR SCORE’ option available on the Bajaj Markets App. It can help you get the required guidance and take the right measures to increase your CIBIL score.  

CIBIL Score & Report

The CIBIL Score & Report is the official app from TransUnion CIBIL where you can access your credit information within seconds. To use the app you are required to purchase a subscription from the 3 plans offered by TransUnion CIBIL. These come with different validity periods - 1, 6, and 12 months.

 

After getting a subscription, you can check your official credit score and report for free every 24 hours. The simple dashboard is easy to use and understand. CIBIL Alerts, a feature of this app, allows you to stay updated with any changes in your credit profile. Furthermore, you can access the score simulator to check how your future decisions will affect your score. The app also helps you access informative articles to help you gain knowledge and make better and more informed decisions.

OneScore: Credit Sore Insight

FPL Consumer Solutions Private Limited offers the OneScore: Credit Score Insight app.  This application provides you with lifetime access to your credit score for free. The app does not have any trial period, advertisements, or any such spam which can interrupt your experience.

 

Along with your CIBIL score, the app also provides your Experian score. Thus, you can check your credit information as recorded in different credit bureaus to understand the difference. After checking your score, you can directly apply for a personal loan or credit card, if required using this app.

Here are some things you should keep in mind when selecting an app to check your score:

• Verify the app's authorised partner status and user reviews to assess its reputation

• Check the interface, registration, and platform for ease of use

• Consider the costs of the subscription (if any), along with any other hidden charges that may apply 

• Look for features like detailed reports, personalised tips, and alerts to manage your credit more efficiently

• Ensure data security through encryption and privacy policy review

• Prioritise real-time credit score updates for effective credit monitoring

Here are simple steps to follow to check your CIBIL Score on the Bajaj Markets app:

• Download the Bajaj Markets App using the Google Play Store or Apple App Store

• Tap on the ‘CIBIL Score’ option visible on the screen

• Enter your mobile number and click on ‘GET OTP’

• Provide the generated OTP and select the ‘PROCEED’ option

• Provide your name, e-mail ID, PAN, and Pincode

• Select the type of employment you are currently engaged in

• Provide your net monthly income

• Read the ‘Terms of Use’ and give your consent by ticking the box

• Click on ‘GET SCORE’