Which App is Best for CIBIL Score

It is crucial to check your CIBIL score before applying for any new credit. While you can check your score on the official website of TransUnion CIBIL, it is also possible to access your score through an app. 

To preserve your privacy and get the data for free, you may be wondering which app is best for checking your CIBIL score. Using a genuine CIBIL score app that keeps your costs low can make monitoring and managing your credit profile more efficient and convenient.

There are several reputable apps that can give you an accurate CIBIL score with zero to minimal charges. Here is a list of a few popular apps you can use to check your CIBIL score in India:

• Bajaj Markets Loan App

This is one of the best CIBIL score apps, which allows you to check your score multiple times for free. It provides a customised credit report offering a comprehensive view of your credit profile, including details of your active credit card and loan accounts.

Additionally, you get access to personalised credit offers based on your creditworthiness. The app includes educational widgets like ‘DID YOU KNOW’ to help you understand your CIBIL score better. The ‘IMPROVE YOUR SCORE’ feature further guides you with actionable steps to boost your creditworthiness.

• CIBIL Score & Report

This is the official app of TransUnion CIBIL, providing instant access to your credit information. It allows you to check your credit score and report for free once a year. 

To use the app to check these details more frequently, purchase a subscription. There are three plans offered by TransUnion CIBIL, valid for 1, 6, or 12 months. Once subscribed, you can check your official credit score and report daily. The app’s user-friendly dashboard simplifies navigation. 

Features like ‘CIBIL Alerts’ keep you updated on changes in your credit profile. The ‘Score Simulator’ helps you understand how future financial decisions could impact your score. The app also offers informative articles to help you make better credit decisions.

• OneScore: Credit Score App

FPL Technologies offers the OneScore app. This application provides you with lifetime-free access to your credit score. The app does not have any trial period or advertisements to 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 two different credit bureaus. After checking your score, you can directly apply for a personal loan using this app.

• Bajaj Finserv Loans, UPI & FD App

This application provides instant and accurate access to your CIBIL score. It enables you to view your credit report, check personal and account details, track enquiries, and raise disputes when required.

In addition, the app offers a suite of financial services, including loan applications, investment options, bill payments, and EMI calculators. Data security is ensured through OTP verification, password protection, and optional two-factor authentication.

• Wishfin: CIBIL Score Check App

This application allows you to check your CIBIL score free of charge for 12 months. It enables you to monitor credit card bill payment dates and credit utilisation while also offering a detailed credit report and summary of your credit history. These features assist in tracking the monthly progress of your credit score.

The app also recommends financial products tailored to your credit profile. You can explore a wide range of personal loan options from leading NBFCs, such as Tata Capital, Piramal Capital and Housing Finance, IIFL Finance, and Bajaj Finserv.

• CRED: Credit Cards & Payments 

This app not only helps you manage and pay your credit card bills seamlessly but also lets you monitor your credit score effortlessly. With a CRED membership, you can easily track your credit score report and stay updated on your financial health. 

The app also offers exclusive rewards and personalised insights to help you improve your credit habits.

• Google Pay: Save, Pay, Manage

Google Pay now provides an easy and secure way to access your credit report, supported by TransUnion CIBIL. By reviewing your credit report within the app, you will receive tailored suggestions designed to help you enhance your credit score. 

Additionally, checking your score via Google Pay is a soft inquiry and does not affect your credit rating.

• Paytm: Secure UPI Payments 

The Paytm: Secure UPI Payments mobile app provides a seamless platform for digital transactions and allows you to check your credit score directly within the app. With free access to your credit report, you can stay updated on your financial health and creditworthiness. 

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

• Verify the app’s authorised partner status and check user reviews to assess credibility

• Evaluate the interface, registration process, and platform compatibility for ease of use

• Consider subscription costs and check for any hidden charges

• Look for features like detailed credit reports, personalised tips, and real-time alerts

• Ensure data security by reviewing encryption standards and privacy policies

• Prioritise apps that offer frequent credit score updates for effective monitoring

Here are simple steps to follow to check your CIBIL Score on this app:

1. Download the Bajaj Markets App from the Google Play Store or the Apple App Store

2. Tap the ‘Explore’ icon at the bottom right of the screen

3. Select the ‘Credit Report’ option under ‘Our Services’

4. Enter your personal details, including your name, PAN, date of birth, email ID, etc

5. Click on ‘Get Score’

6. View your updated CIBIL score

An app can make the process of checking your score more convenient, as it will stay on your device as a ready-to-use tool. Regular monitoring of your CIBIL score through an app helps you:

• Detect discrepancies or fraudulent activities early on

• Stay informed about factors affecting your creditworthiness

• Receive personalised tips to improve your score

• Make timely financial decisions with real-time updates

• Simplify loan or credit card application processes by maintaining a healthy credit profile

Instead of apps, you can use authorised websites to check your CIBIL score. Here is how:

1. Click on the ‘CHECK CIBIL SCORE NOW’ option on this page

2. Fill in your personal and professional details

3. Click on ‘GET REPORT’ and get your score swiftly

Alternatively, you can: 

• Visit the official TransUnion CIBIL website to check your score once a year for free

• Use government platforms like UMANG to check your free CIBIL score once annually

• Obtain your credit report through other authorised financial institutions or banks offering credit monitoring services