Credit Score

Q: Is checking credit score on third-party websites safe?

It is absolutely safe to check credit score on Finserv MARKETS. Also, since it will be considered a soft credit enquiry, checking your credit score or accessing your credit report through Finserv MARKETS will not have any negative impact on it.

Check Your Credit Score for FREE

Get your Free Credit Score Report Online Instantly

get your free credit report!

What is a Credit Score?

Credit score or CIBIL score is a three-digit number ranges between 300 and 900 that represents your creditworthiness, i.e. the likelihood of you returning the borrowed money on time. Whenever you apply for a loan or a credit card, the very first thing the lender/card issuer is going to look at is your credit score. Credit reporting agencies, also known as credit bureaus, maintain the credit records or credit reports of all borrowers in the country. The credit score of an individual is calculated basis the data in their credit information report.

TransUnion CIBIL, formerly CIBIL, is the oldest and the most reliable credit bureau in India. The credit score assigned to a borrower by CIBIL is known as the CIBIL score. Since most banks/NBFCs in India rely on the credit scores assigned by CIBIL, credit score and CIBIL score are often used synonymously. When it comes to credit scores, the higher it is, the better are your chances of receiving a loan or credit offering at affordable rates.

Who Computes Credit Scores in India

Credit bureaus authorised by the RBI collate the credit history of borrowers from the various banks/NBFCs in India to calculate the credit score of borrowers (both individuals and businesses).

As of now, there are chiefly four credit bureaus in the country: TransUnion CIBIL, Experian, Equifax, and CRIF Highmark. These credit bureaus collect the credit data of all individual and business entities from various financial institutions such as banks and NBFCs and prepare a credit information report (or simply credit report) for each borrower. Based on this report, the credit bureau assigns a credit score to the borrower.

Note: If you have never borrowed credit, you will not have a credit score.

How to Check CIBIL Score

Step 1: Visit the official Bajaj MARKETS website and click on “Check CIBIL Score”.
Step 2: Enter the required personal details in the designated fields on the following page and click on “Get OTP”.
Step 3: You will receive an OTP on your mobile number; enter the same on the next page when prompted.
Step 4: Once all your details are verified, you will be able to view your detailed financial health report along with your CIBIL score.

How is Credit Score Calculated

All credit bureaus, including CIBIL, consider a number of factors while calculating the credit score of a borrower. Since your credit score is supposed to be a measure of your creditworthiness, anything that indicates your financial behaviour and financial health has an impact on your credit score. Some of the factors that affect your credit score are:

Financial Punctuality: It is the most important factor taken into account while calculating your credit score. Timely payment of loan EMIs and credit card bills has an affirmative effect on your credit score while delaying payments affects your score adversely.
Frequency of Credit Enquiries: Whenever you apply for a loan/credit card, the lender/card issuer places a credit score enquiry with CIBIL. Frequent credit score enquiries by banks/NBFCs have a negative impact on your credit score.
Credit Utilisation Ratio: It is the fraction of the line of credit (credit limit for credit cards) used by you in a given month. It is suggested that you do not utilise more than 30% of your credit card’s credit limit for a healthy credit score.
Ratio of Secured/Unsecured Loans: Having a healthy ratio of secured and unsecured loans in your credit report has a positive impact on your credit score. It shows your ability to handle both types of loans.
Length of Credit History: A longer credit history implies more creditworthiness as it shows that you have taken and successfully repaid loans in the past.

CIBIL Score Range and its Meaning

As mentioned above, the CIBIL score of an individual is a three-digit number between 300 and 900, where the higher the credit score, the higher is their creditworthiness. You can refer to the following table to get an idea of how banks and NBFCs interpret your CIBIL score:

CIBIL Score Range	Rating	Meaning
NIL	Not Applicable	If you have never availed a loan or have never applied for a credit card, your credit score remains NIL. It means you do not have a credit history.
350-549	Poor	A credit score in this range is considered poor. It is an indicator of poor credit history or recurrent default on loans or credit card bill payments.
550-699	Average	A credit score in this range is considered average. You need to improve your CIBIL score to get better loan offers since many lenders would not be willing to grant a loan to someone with a credit score in this range.
700-749	Good	This is a good credit score and reflects fairly healthy financial habits. You might be eligible for most loan products/credit cards if your CIBIL score falls in this range.
750-900	Excellent	A CIBIL score in this range is considered excellent and shows that you are a low-risk borrower. Lenders offer the best deals to applicants with a CIBIL credit score above 750.

You can check in detail about CIBIL Score Ranges

Why Check Credit Score on Bajaj MARKETS

There are many advantages that you enjoy if you choose to check your CIBIL score online on Bajaj MARKETS:

Free Credit Score and Report: You can not only check your CIBIL score for free but can also download a free Credit Health Report from the Bajaj MARKETS website.
Simplified Reporting: Bajaj MARKETS simplifies your credit report. The Credit Health Report provided by Bajaj MARKETS in association with CIBIL is easily understandable even if you are not well-versed with the technicalities.
Make Informed Decisions: The Credit Health Report that you download from Bajaj MARKETS includes your CIBIL score as well as your past credit behaviour. This report will increase your awareness about your spending patterns and help you make informed decisions in the future.
Trusted Companion: With secure transactions and years of trust, happy customers across India have chosen Bajaj MARKETS as their trusted financial partner.

Details Required to Check Credit Score

In order to check CIBIL score, you would need to provide some basic details such as:

Your full name
Mobile number
Email Address
Date of birth
Residential address
Type of employment (salaried, self-employed, etc.)
Monthly income (for salaried individuals); Annual turnover (for self-employed individuals)
Permanent Account Number (PAN)

Factors that Hurt Your Credit Score

Since the CIBIL score reflects your financial well-being and creditworthiness, any financially irresponsible behaviour on your part would have a negative impact on it. Some of the bad financial habits that affect your CIBIL score negatively are:

Not paying loan EMIs or credit card bills on time
Frequently applying for too many credit cards or loans
Exhausting the entire credit limit on your credit card
Having either only secured or only unsecured loans in your credit profile
Not having a lengthy credit history

How to Improve Your Credit Score

Now that you are aware of the factors that have a negative impact on your credit score, it is easy to understand how you can improve the same. Following are some of the financial habits that you can incorporate to improve your CIBIL score

Pay Your Dues on Time: This is the single-most important financial habit to incorporate for a healthy credit score. You must be punctual with regard to the repayment of loans and credit card bills.
Regularly Review Your Credit Reports: It is advisable to keep tabs on your active and closed loan accounts and have a good understanding of your credit report. In case you notice any error or discrepancy in said report, you must flag the same to CIBIL immediately.
Avoid Frequent Loan/Credit Card Applications: Whenever you apply for a loan/credit card, the bank/NBFC requests your credit report and credit score from CIBIL. Such requests are known as hard enquiries and have a negative impact on your CIBIL score. It is, therefore, advisable not to apply for too many credit cards or loans within a short period of time.

(Note: If you check CIBIL score through Bajaj MARKETS, it counts as a soft enquiry and has no negative impact on your credit report. Hence, we recommend that you check CIBIL score via Bajaj MARKETS.)

Maintain Low Credit Utilisation: You should avoid exhausting the entire credit limit of your card as it reflects poor financial behaviour. Experts suggest that you should ideally not exceed 30% utilisation of your card’s credit limit.
Have a Good Mix of Secured/Unsecured Loans: A healthy mix of both secured and unsecured loans in your credit profile shows that you have the experience of handling both types of loans and are, hence, more creditworthy. Personal loans and credit cards are unsecured in nature, while home loans are secured in nature.

Benefits of Having a Good Credit Score

Having a healthy credit profile and a high credit score is always beneficial for a borrower in multiple ways:

Eligibility for More Loans/Credit Cards: The biggest advantage of having a high credit score is that it opens doors for better loan and credit card offers. Some banks/NBFCs might be even willing to offer you pre-approved loans/credit cards if you have a good credit score.
Lower Interest Rate on Loans: If you have a high credit score (say upwards of 750), you can bargain with the bank/NBFC for a lower interest rate on loans you wish to avail.
Longer Loan Tenor: Apart from lower interest rates, you can also negotiate other terms and conditions of the loan, including the loan repayment tenor, with the bank/NBFC if you have a high credit score.

List of Credit Bureaus in India

RBI has licensed four companies to operate as credit bureaus in India. These are:

TransUnion CIBIL: It is the oldest credit bureau in the country. CIBIL was originally established by RBI in 2000 and was later taken over by TransUnion, an American credit reporting agency and became TransUnion CIBIL.
Experian: It is an Ireland-based credit reporting agency. Experian started its operations in India in 2010. Apart from your CIBIL score, many lenders also refer to your Experian score before approving your loan. Moreover, unlike the other bureaus, Experian’s credit score ranges from 300 to 850.
Equifax: It is another US-based credit bureau operational in India since 2010. Although the company had been providing financial services in the country since 1899, it was only in 2010 that RBI licensed Equifax to operate as a credit bureau in the country.
CRIF Highmark: Unlike the other three credit bureaus, CRIF Highmark is an Indian credit reporting agency based in Mumbai. The company was established in 2005 and was licensed as a credit bureau in 2010.

Advantages of Analysing Your Credit Report

As mentioned earlier, your credit report contains detailed information on all your active/closed loan and credit card accounts. Hence, it is advisable to check your credit report regularly as it has multiple advantages, namely:

Know Your Credit Score: One obvious reason why you should check your credit report regularly is that it contains your credit score. This three-digit number is quite important as lenders consider it before approving your loan or credit card application.
Get Errors Rectified: At times, an error or discrepancy can find its way in your credit report. If you regularly review your credit report, you can get the errors rectified by reporting the same to the concerned credit bureau.
Avoid Hard Enquiries: Typically, you should apply for credit only when you are in a good credit standing so that your loan/credit card application is not rejected. Upon receiving a loan or credit card application, lenders will check your credit report in detail to understand your creditworthiness. This is known as a hard inquiry. Multiple hard inquiries in a short period will make you look credit-hungry and negatively affect your score.
Negotiate for Better Loan Terms and Conditions: Knowing your credit score allows you to understand your bargaining power and negotiate the terms and conditions of a loan with your bank/NBFC. If you have a high credit score, you can negotiate better terms for your loan, including lower interest rate and longer repayment tenor.

Understanding Your Credit Report

Your credit information report comprises a detailed account of your credit history. It includes information about your debt obligations (loans and credit cards) such as the repayment history, status of loans, credit mix, credit utilisation ratio, and more. While a credit report may seem like an intimidating document to read, it is, in fact, quite simple to understand with the right knowledge of the financial terms used in the report. Following are some of the sections that you will find in your credit report:

Personal Details: It includes your personal information such as the name, residential address, PAN, date of birth, etc. It is important to ensure that all the information listed under this section is correct as it could lead to record misrepresentation. Any kind of error must be reported to the respective credit bureau and rectified immediately.
Information of Accounts: This section includes information about your past and current credit accounts. You can find the complete analysis on each of your accounts with details such as the current balance, date of opening, monthly repayment history, account type, account ownership, and payment status.
Public Records: Under this section, you will find a detailed list of any tax liens, collection accounts, loan defaults, and bankruptcies filed.
Lender Enquiries: Here, you will find data about the enquiries made by financial institutions like banks and NBFCs.

Key Terms Featuring on a Credit Report

A credit report can be overwhelming for a layman as there are many terms and abbreviations that need to be understood. However, once you have the right understanding, you can easily read and interpret your credit report. The following table lists down the various terms that you may encounter on your credit report:

Term/Keyword	Meaning
NA/NH	No Activity/No History: No credit history is available with the bureau.
Amount Overdue	The amount that has not been repaid to the lender.
Credit Limit	The maximum amount that you are allowed to spend on your credit card in a given month.
Cash Limit	The maximum amount that can be withdrawn as cash using your credit card.
DPD	Days Past Due: Number of days passed since the due date of payment.
STD	Standard: The account is overdue for less than 90 days.
SUB	Substandard: The account is overdue for more than 90 days.
SMA	Special Mention: A standard account that is closely monitored for the possibility of moving towards substandard.
DBT	Doubtful: The account has remained substandard for a period of 12 months or more.
LSS	Loss: Loss has been identified on the account and is non-recoverable.

Difference Between Credit Report, Credit Score, and CIBIL Score

The following table illustrates the key differences between a credit report, credit score, and CIBIL score.

Credit Report	Credit Score	CIBIL Score
It contains the information of all your current and closed loan and credit card accounts.	It is a three-digit number assigned to a borrower by a credit bureau that indicates their creditworthiness (loan repayment capability).	The credit score assigned to a borrower by TransUnion CIBIL is known as CIBIL score. It ranges from 300 to 900, with a higher number being better.
It gives lenders an insight into your past financial behaviour in terms of loan repayment and the amount that you already owe to the various banks/NBFCs.	It gives the lender an idea of your ability to repay loan EMIs or credit card bills on time.	It is a number arrived at by CIBIL. It also indicates the likelihood of you repaying your future loans/credit card bills on time.

FAQs on Credit Score

1. What is a good credit score?

A credit score of 750 or above is considered good and makes you eligible for most loans and credit card offers at affordable/negotiable terms and conditions.

2. Is checking credit score on third-party websites safe?

It is absolutely safe to check credit score on Bajaj MARKETS. Also, since it will be considered a soft credit enquiry, checking your credit score or accessing your credit report through Bajaj MARKETS will not have any negative impact on it.

3. Why is a PAN card needed to check credit score?

Your credit score is calculated based on the financial history in your credit report, which includes all your active and closed loan and credit card accounts. Since all your loan accounts and credit cards are mapped to your PAN, your credit report is also mapped with your PAN. Therefore, it is mandatory to provide a PAN to check credit score.

4. Why do lenders check credit score?

Lenders check your credit score to evaluate your creditworthiness, based on which, your eligibility for a particular loan or credit card is determined. Many times, the terms and conditions of the loan also depend upon your credit score.

5. Can everyone access my CIBIL Score?

Apart from you, only bank/NBFCs and credit card issuers can access your CIBIL score and credit report. No unauthorised individual/organisation is allowed to access your CIBIL score.

6. Is there any limit to accessing my credit report?

No, you can access your credit report as many times as you want. We recommend that you access your credit report and check your credit score through Bajaj MARKETS as it counts as a soft enquiry and does not hurt your credit score.

7. Why does credit score fluctuate?

Your credit score can fluctuate for a number of reasons including timely/late loan repayment, number of hard enquiries, number of active loans, etc.

8. Do frequent credit score enquiries affect my credit score?

Yes, frequent credit score enquiries by banks/NBFCs do have a negative impact on your credit score. Such inquiries are called hard inquiries. However, when you check your credit score through Bajaj MARKETS, it is considered a soft enquiry and has no effect on your credit score.

9. Will signing as a co-guarantor on a loan application impact my CIBIL score?

If the borrower defaults on the loan for which you are a co-guarantor, your credit score will indeed get negatively affected.

10. How long does it take to build a CIBIL score of 750+?

If you stick to good financial habits, it should not take more than a few months (6 to 12 months usually) to get to a CIBIL score of 750+.

11. How often are credit reports updated?

CIBIL updates the credit report and the CIBIL score of the borrowers every 30-45 days.

12. Is it possible to delete information from a credit report?

No, it is not possible to delete any information from your credit report if it is correct. However, if you notice any error or discrepancy, you can ask the respective credit bureau for a rectification.

Quick Links

CIBIL Articles

CIBIL Agencies

Latest CIBIL Score News

Women emerging as strong borrower class, better credit profile, lower delinquency rates: TransUnion CIBIL

Studies conducted by CRIF HighMark and TransUnion CIBIL reveal that Indian women are fast surfacing as a credible class of borrowers, boasting of improved credit profiles and lesser rates of attrition. This trend has been consistent among women in both urban pockets and the rural hinterlands– a positive sign for all to acknowledge.

What’s more, over the last five years, the market composition of women borrowers has risen sharply at a 19% compound annual growth rate – in comparison to the male equivalent of the statistic pegged at just 14%. To further fuel this argument, statistics reveal that women borrowers in India grew by 11% in 2021 alone, while male borrowers grew only by 6%.

When we analyse credit penetration, the statistic for women as a percentage of borrowers rose significantly, from 6% in 2016 to 12% in 2021. Over the course of the year, women seem to have opted for loans in 3 categories - consumer durables, gold, and personal loans.

The studies suggest that women in India also boast of an improved score distribution, with 53% having a ‘prime score’ (between 731 and 770), while the share of male borrowers for the same lay at just 47%. The attrition rate is also lower among women (5.2%) than men (6.9%).

The studies reveal that women are also increasingly availing home loans, business loans, auto loans, and personal loans, with their share in new-to-credit loans rising to 21.2% in 2021.

-Mar 08,2022

TransUnion CIBIL will give first-time applicants a credit score

TransUnion CIBIL will now be able to assist lenders in determining the creditworthiness of new-to-credit (NTC) borrowers who never got the opportunity to utilize a bank or financial institution for a loan or credit card. The new service includes an algorithm that employs an adaptive machine learning system to monitor the behaviour of related data subjects over time. This, according to CIBIL, would make it easier for first-time borrowers to obtain credit.

According to their report, new-to-credit (NTC) customers can be good borrowers and form a valuable customer base for credit institutions if given credit opportunities. Institutions can dramatically scale profitable growth by tapping into the NTC market by using the NTC Score. According to the report, two-wheeler loans receive the most applications from this category, followed by consumer durables and home loans. Retail credit demand in February of this year was 91 percent of what it was in February 2020, according to CIBIL, and was slightly higher than the low levels seen in the early months of the pandemic.

Every year, 100 million first-time borrowers are expected to apply for loans, according to CIBIL

The lenders are usually reluctant to lend to someone who is applying for the first time. The reason is that the credit history of such borrowers makes it difficult for creditors to evaluate them. Credit offices have solutions to this problem, like comparing a new-to-credit (NTC) client profile with other similar profiles. According to the recent survey by TransUnion CIBIL, 100 million borrowers could be credited each year.

The survey showed that, between January 2019 and January 2021, 35% of the total transUnion CIBIL customer inquiries received from NTC customers came from people aged 26 to 35. A fourth of the inquiries were carried out by people less than 25 years of age. The majority of NTC customers took out two-wheeler lending during the same period, followed by consumer durable and home loans. The majority of the people of India are under 40 years old, and banks and financial institutions are likely to approach this demographic for their first credit or loan card.

Banks now have a new method of assessing potential credit customers

The oldest credit rating agency in India, TransUnion Cibil, has launched the eligibility score for those who never took out or used a credit card and have no credit history. CreditVision NTC (new to credit) Score, a Transunion CIBIL credit scoring solution, will allow credit institutions to measure the eligibility of customers who have never bought a bank's or financial institution's loan or credit card. Using the CreditVision NTC Score, the risk associated with the first-time borrower could be reliably evaluated by financial institutions to provide them with quick and effective access to funding across the country.

The majority of new credit clients look for two-wheeler loans, with consumer durable lending, and household lending, according to a survey of the number of new inquiries made to credit customers between January 2019 and January 2021. The credit industry in India in the last decade has changed dramatically, with more new borrowers getting loans from institutions. The innovations and tactics of the TransUnion CIBIL have helped crores of creditors open their credit accounts in the last two decades.

Credit Report Reviews

Credit Score Reviews

4.5out of 5

155 reviews

Good

Avail the facility of easy CIBIL score check with quick results at Finserv MARKETS. Amazing.

Convenience

The credit score check at Finserv MARKETS with just a few simple steps from the comfort of my home, is just a blessing.

Speedy process

I checked my CIBIL score with a quick and trouble-free process at Finserv MARKETS.

Effortless

Learn how to check CIBIL score online and get quick and accurate results here with their proficient services.

Uncomplicated

Check credit score with ease at Finserv MARKETS.

User oriented

Get CIBIL score online without moving an inch from your place with easy process and accurate results at Finserv MARKETS.

Great services

Get credit score checked online by following the simple steps and hassle-free process only at Finserv MARKETS.

Accuracy

I got my CIBIL score results at lightning fast speed at Finserv MARKETS.

Simple process

Get the benefit of an online credit score check from the comfort of your home at Finserv MARKETS.

Efficiency

Perform CIBIL score check online easily as you choose Finserv MARKETS for their convenient and easy process.

Accurate results

After checking my CIBIL score at Finserv MARKETS, I assessed my financial performance and worked towards it. The credit report gave me powerful insights. Amazing.

Best in class services

Doing CIBIL check is now a quick and uncomplicated process all thanks to the unmatched services at Finserv MARKETS.

Efficient services

Checking CIBIL score at Finserv MARKETS is just so effortless.

Easy to use

Avail CIBIL score check facility as you update yourself with your financial health at Finserv MARKETS.

Consistent services

Get credit score check done at Finserv MARKETS with just a few simple steps required. Accuracy is delivered every single time.

Proficient

Check CIBIL score with quick results and few simple steps at Finserv MARKETS.

Instant scores

Check CIBIL score and expect quick results provided at Finserv MARKETS.

Excellent service

Getting CIBIL updates at Finserv MARKETS is a cakewalk thanks to their easy process and user friendly interface.

Convenient

Checking on my credit score is now possible with minimal efforts only at Finserv MARKETS.

Proficiency

All thanks to Finserv MARKETS, I could check my CIBIL score in no time and evaluate my financial performance.

Top notch facility

Unmatched facilities for checking your credit rating like ease of use, quick results, assistance and guidance at every step and so much more at Finserv MARKETS.

Best guidance

Review of my credit score was done so quickly. All the credit goes to the easy process and user friendly interface at Finserv MARKETS.

Quick results

I finally know how to check credit score without complicating the process unnecessarily, all thanks to the simple steps at Finserv MARKETS.

Great assistance

Over the years, Finserv MARKETS has been my go to and only choice to check my CIBIL score in the most reliable and quick manner.

Trouble free process

Execution of a Cibil score free check online is now also so very simplified with the ease of use available only at Bajaj Finserv MARKETS.

User friendly

Checking credit report at Finserv MARKETS is such an easy process.

Hassle free checks

Knowing how to check CIBIL score online is now a cakewalk with the simple steps and added assistance at Finserv MARKETS.

Unmatched facilities

Learn how to check CIBIL score with just a few quick and easy steps according to the guidance provided at Finserv MARKETS.

Consumer oriented

Check CIBIL score online with ease at Finserv MARKETS.

User oriented

Review your CIBIL score without moving an inch from your place by simply following the easy process suggested at Finserv MARKETS.

One stop destination

Check CIBIL score from the comfort of your home. All that is needed is following a few simple steps at Finserv MARKETS.

Comprehensive

One stop destination to check CIBIL score online in a quick as well as efficient way is only at Finserv MARKETS.

Time saving

The task of doing a CIBIL score check complemented with the ease of use provided at the Finserv MARKETS platform is a boon for my busy life.

Easy

The simple steps provided by Finserv MARKETS will make your work easier as you perform a CIBIL score check.

User oriented

Checking CIBIL score is such a convenient process with Finserv MARKETS. You get quick results.

Convenient

Online CIBIL score checks which require just a few simple steps have made my life a hundred times easier, all thanks to Finserv MARKETS.

Best services

If you are wondering how to check CIBIL score in a quick manner, Finserv MARKETS is just the thing for you.

Customer friendly

Performing a credit score check online accompanied by the ease of use at Finserv MARKETS has made life so much easier and uncomplicated.

User friendly

Review of my CIBIL score online was such a tedious task earlier, but with the simple steps and friendly assistance at Finserv MARKETS, I can now get this task done without any complications.

Few steps

Going through the process of getting a credit score check online is now a quick and effortless task. Just a few clicks and the job is done.

Good assistance

The tiresome process of doing a CIBIL check online is now a painless task with Finserv MARKETS.

Fuss free checks

Learning how to check my CIBIL score was such a simple task with the uncomplicated and simple steps at Finserv MARKETS.

Best choice

If you want a good CIBIL score check facility, Finserv MARKETS should be the first on your mind. You will get the best of services.

Straightforward and easy

Getting updated with my credit rating is child’s play when supported by the ease of use given at Finserv MARKETS.

Preferred choice

I always go for the easy process on Finserv MARKETS to check my credit score. Going through this process has never felt this easy.

Trouble free process

I now know how to check CIBIL score in a few simple steps without complicating this task only at Finserv MARKETS.

Lightning fast efficiency

Finally, I have found the best way to check my CIBIL score in the most efficient as well as quick way. Finserv MARKETS did the trick.

Best of advantages

Getting a CIBIL score check done online with the added ease of use at Finserv MARKETS gets me the best of both worlds.

Most reliable

Checking and getting a review of your credit report is now an easy process when Finserv MARKETS is by your side. Kudos to their unmatched service!

Trouble free checks

Finserv MARKETS enabled me to check my CIBIL score easily. Following their simple steps was easy as a breeze.

Ultimate

Finserv MARKETS instructions are a great aid when you want to know how to check CIBIL score in a quick and effortless manner.

Hassle free

You can now check CIBIL score online without a sweat. The ease of use which comes with Finserv MARKETS will make this task a cakewalk.

Easy

I checked my CIBIL score. This task is all plain sailing, all thanks to the easy process and steps at Finserv MARKETS.

Super fast checks

It is now possible to check CIBIL score instantly, all thanks to Finserv MARKETS.

Transparent process

The task of doing a CIBIL score check seems so uncomplicated with the ease of use and transparency given by the Finserv MARKETS.

Lucid procedure

Finserv MARKETS makes checking the CIBIL score an easy process. Thanks to them I can do this task effortlessly.

User friendly

Checking your online CIBIL score seems like a cakewalk with guidance of Finserv MARKETS. Their simple steps and easy to use interface is the best!

Prompt score check

Finserv MARKETS taught me how to check CIBIL score online. They guided me throughout and made the process quick and easy as pie.

Best services

Perform credit score check online at Finserv MARKETS as they help you with their ease of use and quick response.

Hassle-free checks

Doing credit score check online is a breeze with the simple steps at Finserv MARKETS.

User friendly

All my CIBIL score check updates are done at Finserv MARKETS ever since I discovered their quick and easy process.

Customer oriented

Avail the facility of CIBIL score check online as you get ease of use provided by the best in class services at Finserv MARKETS.

User convenience

You can complete your CIBIL score check online by following the easy process at Finserv MARKETS from the comfort of your home.

Easy checks

Get updated about credit score without moving an inch by following simple steps at Finserv MARKETS.

Instant checks

Get a quick CIBIL check done at the lightning fast speed, all thanks to the assistance at Finserv MARKETS.

Consumer oriented

Do your CIBIL score online check only at Finserv MARKETS.

User friendly

Performing CIBIL check at Finserv MARKETS has made life uncomplicated with the ease of use and simple process.

Easy score check

Get updated with your CIBIL score with just a few fuss free simple steps only at Finserv MARKETS.

Instant check

Checking credit score has become such a quick and effortless task with Finserv MARKETS. Highly recommended.

Prefered online score check

Having your CIBIL score handy is a good way of getting you loans easily. I checked my online CIBIL score for free through the app and it helped me get my personal loan much faster.

My favourite CIBIL score check

Applying for a regular CIBIL score check is never easy but not with Finserv MARKETS. I got my score checked in just a few steps and this helped me get my home loan at a much lower rate of interest.

Easy way to check CIBIL score

If you are wondering how to check your CIBIL score without hassles, then choose only Finserv MARKETS. Extremely easy to use, it brings immense convenience when applying for any kind of loan. Best choice.

Easy score check

After wondering for a long time about how to check my CIBIL score online, I found this amazing app that gave me quick results. The easy to use system is extremely great and helped me with my loans.

Best way to check score

I was looking for a good way of checking credit score online when I found this one through the Finserv MARKETS app. Extremely convenient to use it helped me with my loan applications.

Easy to check the score online

I checked my credit score online and that was extremely easy to get through. The simple application gave me a clear understanding of my financial health before applying for the loan.

Checked my credit score for free

Credit score check allowed me to get a complete idea about my financial standing. I got an analysis through a financial health report and this helped me during availing of loan.

Fav credit score check online

Getting credit score checked online, is one of the best services provided by Finserv MARKETS. It helps in knowing your financial standing. I checked my score before applying for my mortgage and it was very helpful.

Easy online score check

Getting a personal loan can be extremely difficult especially with a low CIBIL score. This report helped me transform my score and improve it before applying for my loan.

Prefered CIBIL score check

Needed my CIBIL score checked before checking my eligibility for my personal loan. I got a complete analysis of my financial standing at Finserv MARKETS and it is my preferred choice from now on.

Awesome CIBIL score online check

I checked my CIBIL Score online on Finserv MARKETS. The good score helped me negotiate for a better interest rate and higher loan amount.

Excellent

Wanted to be sure of my credit score before I applied for my home loan. I used the app and it helped me with my financial health report too. What a good deal and service.

Perfect way to check credit score

It is now so much easier to get the CIBIL Score checked with the Finserv MARKETS App. I got mine in just a few steps and it helped me fix my bad management of funds. Happy.

Easy CIBIL score check

Getting CIBIL score check online is the best way to keep your finances on track. This check really helped me with my application for loan. Very satisfied.

Easy credit score check

I got my credit score checked at Finserv MARKETS. It helped me when I applied for my marriage loan and I also got a very low rate of interest. Best decision.

Great CIBIL check

After constantly wondering how to check the CIBIL score online hassle-free, I found this great help through the app. Very easy to use, it helped me understand my financial standing without hassle.

Best way to check CIBIL Score

I got to check my CIBIL without any hassles through the app. It helped me when applying for my personal loan. Also got a financial health report that was extremely good.

Best CIBIL score online check

I was applying for a personal loan and needed to know my CIBIL score when I checked it online at Finserv MARKETS. Extremely helpful, I could know of my standing before applying for the loan.

Good CIBIL score check

I got my CIBIL score checked on the app and this helped me when applying for my personal loan. I was able to negotiate for a better rate of interest and lower my EMI cost.

Easy CIBIL check

Getting a CIBIL score check can be expensive when recurrent but not anymore. Got mine through easy steps on Finserv MARKETS. It made the loan application procedure so much easier. Best service.

Credit score check

It can be quite expensive to generate regular credit score checks but I got very lucky with Finserv MARKETS. The easy to get financial health report gives a detailed overview and is extremely helpful.

Best for personal loan

Getting a good personal loan at a low credit rating can be quite a hassle but not here. Got my loan quickly with just a few steps and this helped me sort my finances. Very thankful.

Great way to check credit score

The credit score check helped me confidently apply for my personal loan. I got a detailed analysis of my financial health and this was of great help.

Best loan

Needed a personal loan when I checked my credit score online at Finserv MARKETS. The score was good and helped me get a personal loan at a great rate of interest.

Easy CIBIL score check

Getting your CIBIL score checked online hassle-free is the best way to keep track of your financial health. It helped me with getting loan easily. Very thankful.

Great CIBIL score check

Found this after wondering how to check my CIBIL score online. Very efficient, it gave me quick results with my financial health in just a few minutes!

Best way to check CIBIL score

Wanted my CIBIL score, so visited Finserv MARKETS. It helped me not just with the score but I also got my financial health report. Great.

CIBIL check

Checked my CIBIL score before applying for my home loan. It was of great help as it aided me in being prepared with my application. Good.

Check CIBIL score online

I used the online CIBIL check feature on Finserv MARKETS and was very happy with the experience. It helped me know about my loan eligibility. This aided better preparation when submitting my application.

Easy to know CIBIL score

Knowing the CIBIL score can be expensive through paid platforms. But I get a regular check of my score on Finserv MARKETS hassle-free. This helps me make better financial decisions.

Easy CIBIL check online

Getting a CIBIL check online is now so much easier. After a quick entry I got my financial health report and CIBIL score without any hassle. The best service offering in my opinion.

Good CIBIL score check

Wanted to know my CIBIL score before checking applying for a home loan. I checked the CIBIL score that turned out to be great in helping me understand the deals. Good choice.

Perfect credit score check

It is easy to now get my credit score checked at Finserv MARKETS. Easy to use, quick and accurate results, it helps to get the score and financial health report in no time. Impressive.

Easy

I got to check my CIBIL score easily at Finserv MARKETS. Extremely useful, it helped me get my financial health on track by getting a clear analysis. What a great offering indeed!

Check CIBIL score hassle-free

I checked my CIBIL score through the app and it helped me with my loan application. I was better prepared when negotiating for interest rate. Got the best deal.

Best credit score tool to use

Knowing your credit score is the best way to stay updated with your financial health especially when seeking funding. Checking CIBIL Score on Finserv MARKETS helped me stay prepared for my loan.

Best CIBIL checker

I got my CIBIL score in quick and easy steps. It helped me during negotiating for my personal loan for a medical emergency. Extremely helpful.

Easy CIBIL score check feature

Having the CIBIL score handy is one of the best ways to get a good deal on loans and other financial instruments. I got my score easily and it made it so much easier to obtain a loan.

Best credit score check feature

I got my CIBIL score checked just before applying for the travel loan. The complete financial health report helped me how much I can negotiate. Extremely great offering.

Easy to use app to check CIBIL Score

I checked my CIBIL Score online at Finserv MARKETS. I got the score in quick and easy steps making the process my preferred one. Helps me stay informed about my financial standing.

Best CIBIL check

Knowing your CIBIL is very helpful when getting a loan. I checked my score and it helped me understand my financial standing. I used the information to get my home loan at a good rate.

Seamless credit score check

Being aware of the credit score is important when applying for any loan. I got my credit score checked at Finserv MARKETS and this made me get the best deal on my home loan. Extremely helpful.

Best way to check CIBIL score

I checked my score through the app which actually is very easy to use. The quick results allowed me to stay prepared for my loan application. Extremely happy with the service.

Best method to check CIBIL score

I got my CIBIL score checked online through the Finserv MARKETS app and it helped me when looking out for the best offers on personal loans. The service is extremely helpful.

Best CIBIL check

Getting your CIBIL score checked is so much easier at Finserv MARKETS. It helped me with a clear understanding of my financial standing. I absolutely love this app and it’s features.

CIBIL check

I got my CIBIL score checked in just a few minutes without hassle. This helped me when getting my personal loan. What a great experience.

Best credit score check

I always prefer to keep track of my credit score. Health report helped me keep a good tab of my finances and apply for a loan with confidence. Extremely great way to go about finances.

Online CIBIL check

Used the online CIBIL score check feature and it really helped me with understanding my financial health. Thanks Finserv MARKETS!

Easy credit rating

Knowing your credit rating is one of the most important steps when getting any kind of loan. I checked my CIBIL score on Finserv MARKETS and this helped me get the best deal on my personal loan.

Best CIBIL score checking method

This online CIBIL score checking method is a delight as it gives me a complete review of my financial health. I use this information to review my finances before applying for a loan or credit card. Very helpful.

Best method of CIBIL score check

CIBIL score is important to know and can make or break financial prospects. I got my score checked on Finserv MARKETS and it helped me correct my mistakes. The financial health review report is even better.

Amazing credit score check

At Finserv MARKETS, I got a complete review of my financial history and this helped me majorly when getting a loan. Best service.

Easy CIBIL score check

Got my CIBIL score checked on Finserv MARKETS and this has greatly helped reframe my financial decisions. Very happy with the analysis.

Easy to use score check

The health report on Finserv MARKETS keeps me updated on my financial health and that's the best thing about it. I am more confident when applying for credit.

Easy online CIBIL check

It can be difficult to track finances without a regular CIBIL check. Not anymore. This CIBIL online check on Finserv MARKETS helped me get my score in just a few steps and reduced all that effort.

CIBIL score check

I always check my score to keep note in times of getting a loan. Through Finserv MARKETS I now get a complete review of my financial checks in just a few minutes. Wonderful service.

Hassle-free score check

Wanted a home loan and was not aware of the importance of CIBIL score. Then checked the CIBIL score easily on Finserv MARKETS. Was very happy with my experience a got a good loan offer.

Easy score review

Getting a CIBIL score is no more a hassle. The CIBIL score checking on Finserv MARKETS has made my life so much more easier. I can now track my financial health easily.

Easy score check

No more do I have to spend a lot of time to check my CIBIL score. The CIBIL score on this website gives me a complete review of my financial health before I apply for a loan.

Online CIBIL check

Regular CIBIL checks can be quite expensive on the pocket but not anymore. This simple checked gives me a complete overview of my financial health so I can better plan it.

Best score check

I needed a loan for an emergency but was worried about score. So before applying checked my score through Finserv MARKETS. Happy with my whole experience.

CIBIL score check easily

It can be difficult to track CIBIL score without regular checks. Finserv MARKETS allows me to know my financial health before applying for a loan. It is very helpful indeed.

Go-to score checker

I like to keep track of my CIBIL score regularly. This service from Finserv MARKETS helps me do so quickly with an easy process. A very good way to keep track of my credit status.

Best score checker

Needed a personal loan for my foreign trip, so checked CIBIL score to be sure before applying for one. It gave me a complete analysis that too in detail. So happy with the service.

Easy CIBIL score checker

The free online CIBIL score check allowed me to prepare well before getting my big-ticket loan. It is very easy to use and I had to just enter my basic details. Very helpful tool indeed.

Simple credit summary

I was able to check my credit score within no time on Finserv MARKETS. Very easy to use, the simple steps helped me get all the information that I need to improve my credit status. Time-saving.

Checked CIBIL Score hassle-free

Checked my CIBIL and was surprised at the bad health of my finances. Fortunately, i could rectify it after viewing my financial health closely. Really helped me!

Essential score check

Who does not prefer a free credit score check? I got my credit score in no time and was successfully able to apply for my personal loan. The easy process is what I liked the most.

CIBIL score check

CIBIL score check on Finserv MARKETS was extremely helpful before getting my home loan. It reduced my efforts and helped me negotiate for a better deal. Awesome.

Best way to check score

It can be a big hassle to get your score regularly but not anymore. Finserv MARKETS allows to conveniently view financial health report and makes it so easy to plan my finances. Happy.

Best way to check CIBIL score

This is the most helpful health report that I have come across. Finserv MARKETS allows you to check your CIBIL score without any hassles. Extremely good.

Easy score check

I checked my credit score before applying for a loan and this was of great help to negotiate my deal. The report gave me an in depth analysis of my profile and really helped so much.

Informative score checker

After wondering how to check CIBIL score for free, I quickly found this service. Very easy to use, it gave me a detailed review on my score summary and history. Helps a lot in maintaining the score.

Favourite CIBIL score tool

I have now made it a habit to track my CIBIL score with the free CIBIL score online check. The service offers ease of use and makes it very good to maintain a healthy credit profile.

Simple to use score check

I always stay updated on my CIBIL score and this tool has greatly helped. The Free CIBIL score check allows me to get the summary in quick simple steps. Amazing.

Easy free CIBIL check

The free CIBIL score check helped me get a quick glance of my score. I understood clearly and took the right actions to improve my score. If you must check your score, this is the best tool.

Informative CIBIL check

I was surprised to see my score insights through the ease of CIBIL score check on Finserv MARKETS. Very informative. It gave me a summary of my credit details for free. Just loved it.

Easy process CIBIL check

I love this service. The CIBIL score check gave me good insight into my credit history and the negative aspects about my score. The easy process has helped me to focus on rebuilding my score.

Useful credit score check

Checking online CIBIL score saved me the trouble before opting for my home loan. Checked my score through simple steps and got a detailed summary of my credit score. Most reliable service.

Quick CIBIL report

I was looking for CIBIL report tool when I found this service from Finserv MARKETS. It allows you to extract your report through a very easy process. I got my information in no time.

Useful credit score check

I was planning to take a loan. Decided to first take a quick check of my CIBIL score. Customer care helped me on how to check CIBIL score for free on the website. Very convenient in easy steps.

Good CIBIL report check

Had to take a personal loan for a medical emergency. Quickly checked my CIBIL health report and applied for the loan. It helped me get the best deal on my loan.

Best online check

I love this easy process of online CIBIL score check. With an easy to follow process, it helped me get clear details about my credit history and summary. Convenient service by Finserv MARKETS, surely.

CIBIL score check

Financial health Check Report helped me know my eligibility to get my personal loan. I must say it is a very helpful that reduces so much effort. Very happy with the service.

Easy to use free service

Before getting a loan, it is essential to avail this service. This free online credit score check is very easy to use and helped me know my credit details and related information. Helped me get the loan faster.

Informative credit check

With simple steps, I got a summary of my credit score and profile. Had to simply enter my details and was presented with all the details of my credit health. Perfect service to avail before getting a loan.

Brilliant credit score summary

I have been wanting to apply for a loan for a very long time to fund my home renovation expenses. So I made a credit score check online at Finserv MARKETS through easy simple steps. Best experience!

Quick CIBIL score check

Checking my CIBIL score was a matter of a few minutes on Finserv MARKETS. The easy to use and quick service helped me track my history and work to improve my credit health. Best free check service in the market!

CIBIL score check

I wanted to keep a track of my CIBIL score. The simple steps on Finserv MARKETS helped me get an immediate summary and review. Based on that, I was confident to apply for my personal loan. Big thumbs up!!!

Quick credit score

I saw the ‘Check Your CIBIL Now’ option when browsing through the Finserv MARKETS website. I was delighted to receive an extensive breakdown of credit history. It helped me take prompt action to improve my credit score.

Very useful services

On the app i was able to check credit score with access to financial report that gave me useful information about my credit health. I am now able to understand and manage my finances better.

Credit score check services

Wanted to check my score before applying for the loan so I made use of the credit score check service on the app. I got the results and was eligible for the loan my application got approved instantly, I m happy with the services!!

Flexible repayment facility

I got approved for a loan to finance my home improvement expenses and got to check cibil score online which made it easier to get my loan. The repayment tenure is very flexible I can make repayments as per my convenience.

Favourable terms for loans

Came across the Finserv MARKETS website and did check cibil score on the site. I found many of the loan terms very customer friendly. Also I applied for a personal loan too.

Super fast loan

With the loan I also got to check my credit score online The cibil score check facility was feasible. I was able to get my loan approved very easily.

Fast online loan

I got to check cibil score on the app. The online loan process was super easy and convenient. I could track the status of my loan and even got approved for it.

Great loan services

Wow! The service was excellent i was able to get a cibil score check online. This made it easy for be to get a loan. I applied for a loan, the amount got disbursed on time.

Amazing loan service

Impressed by the added service I got to access with the loan, I also did a cibil score checking online. I was very pleased with the loan process as well. Fast loan, great service!!

Easy eligibility criteria

I applied for a loan at Finserv MARKETS the loan eligibility was very simple. My cibil score was good enough to get my application approved. The overall process was smooth.

Swift loan access

I was a bit hesitant to apply for a loan as i was not sure about my credit score. I took a credit score check online at Finserv MARKETS and was able to apply for a loan. The loan process was very easy.

Credit Score

What is a Credit Score?

Who Computes Credit Scores in India

How to Check CIBIL Score

How is Credit Score Calculated

CIBIL Score Range and its Meaning

Why Check Credit Score on Bajaj MARKETS

Details Required to Check Credit Score

Factors that Hurt Your Credit Score

How to Improve Your Credit Score

Benefits of Having a Good Credit Score

List of Credit Bureaus in India

Advantages of Analysing Your Credit Report

Understanding Your Credit Report

Key Terms Featuring on a Credit Report

Difference Between Credit Report, Credit Score, and CIBIL Score

FAQs on Credit Score

1. What is a good credit score?

2. Is checking credit score on third-party websites safe?

3. Why is a PAN card needed to check credit score?

4. Why do lenders check credit score?

5. Can everyone access my CIBIL Score?

6. Is there any limit to accessing my credit report?

7. Why does credit score fluctuate?

8. Do frequent credit score enquiries affect my credit score?

9. Will signing as a co-guarantor on a loan application impact my CIBIL score?

10. How long does it take to build a CIBIL score of 750+?

11. How often are credit reports updated?

12. Is it possible to delete information from a credit report?

Latest CIBIL Score News

Credit Report Reviews

Credit Score Reviews

4.5out of 5

Good

Darrel Miranda

Convenience

Harsh Magiya

Speedy process

Suraj Naidu

Effortless

Kamraan Sulemaan

Uncomplicated

Faisal Shirazi

User oriented

Ashish Shukla

Great services

Siddhi Donode

Accuracy

Joben Leons

Simple process

Pranit Balgode

Efficiency

Cheyann Payne

Accurate results

Tanisha Sachdev

Best in class services

Anuja Mankar

Efficient services

Tanmay Khapekar

Easy to use

Lynn Fernandes

Consistent services

Sheela Sahani

Proficient

Aniket Khot

Instant scores

Shubham Sarware

Excellent service

Javin Gada

Convenient

Daanish Shaikh

Proficiency

Amreita Arun

Top notch facility

Naina Singhania

Best guidance

Sanjay Goswami

Quick results

Ronak Shanthi

Great assistance