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While applying for a loan or a credit card, one must ensure that they have a healthy CIBIL score. Borrowers must be cognisant of their creditworthiness as lenders always consider the former’s CIBIL score while approving a loan application; hence, a healthy CIBIL score is extremely crucial. However, many people do not know how often they should obtain and check their credit report. This article will basically show the reader the various ways in which one can check their CIBIL score online.

Ways to Check CIBIL Score

1. Via CIBIL website

  • On the official website of CIBIL, click “Get Your CIBIL score”.

  • Fill up the form with relevant details (Name, DOB, ID proof, loan history).

  • Submission of the form will lead to the payments page. CIBIL levies a charge to issue the credit report.

  • After payment, you will be led to the authentication page. At least 3 of the 5 questions on your credit history must be answered correctly for authentication. Once verified, the report will be delivered to your inbox within 24 hours.

2. Check CIBIL score by PAN Card

  • Go to the TransUnion CIBIL website free CIBIL score page

  • Fill up the form with relevant details (name, DOB)

  • Select ‘Income Tax ID Number (PAN).’ for ID proof and enter the relevant information.

  • Choose the income type and monthly income.

  • Enter address and contact details such as telephone number and email address and submit

  • The free report will be delivered to your inbox within 24 hours.

Read more on how to check CIBIL Score by PAN card only at Finserv MARKETS

3. Check CIBIL score by Aadhaar Card

Aadhaar Card is required for address proof. The address entered must match the address mentioned in the Aadhaar Card for all the aforementioned ways to check CIBIL score online

4. Check CIBIL Score by Mobile Number

For checking your CIBIL score through mobile number, personal details need to be mentioned on the site first. After that, the user will need to verify their identity by sharing the one time password (OTP) that they receive. They must enter the same on the page that will follow to see their CIBIL score.

Checking CIBIL score on Finserv MARKETS

CIBIL Score can be checked, free of cost, on Finserv MARKETS. The steps to check the CIBIL score on Finserv MARKETS are as follows:

  1. Click “Check Your CIBIL Now” on the Finserv MARKETS official website.

  2. Enter the relevant details asked for, such as name, DOB and ID proof.

  3. An OTP will be sent to your mobile number and email address for verification of identity.

  4. You will be able to access your report consisting of your CIBIL score once your identity is verified. 

When evaluating loan / credit applications, it is important for banks to consider the individual's ability to repay. The CIBIL score and the report allow lenders to assess the individual's ability to repay. By referring to the CIBIL score, banks may classify the applicant's repayment patterns and determine whether to accept or deny the application. The CIBIL score may be one of the main factors for this. Therefore, it is important to maintain a high score.

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