How to Check CIBIL Score for Free? (This Guide Helps You Check Your Credit Score Online – 2025)

Want to know how to check CIBIL score for free? Then, this article is for you. In this article, I have provided the necessary information about checking credit score and others. Read the article to the end so that you will learn them. Let’s dive in to the topic.

Financial health is necessary for everyone. Keeping an eye on your credit score is one of the smartest things that you can do. You might have known that you need a credit score in some situations while you’re planning to apply for a loan, credit card. Moreover, it is required if you want to improve your credit profile. This thing will help you know where you are.

In India, the Reserve Bank of India (RBI) authorized four major credit bureaus to maintain your credit score. They are

• TransUnion CIBIL

• Experian India

• Equifax India

• CRIF High Mark

According to the law, each bureau allow every Indian citizen to get one free credit report per year. It means you can access your score up to four times in a year and it is absolutely free by rotating between these agencies.

Read the article till the end, so that you can learn and explore the ways to check your credit score for free.

How to Check CIBIL Score for Free: Best Ways to Check Your Credit Score

Method 1: Directly Through Official Credit Bureau Websites

The most accurate and secure way to check the credit score and get a report is visiting the official credit bureau websites. Below steps are provided to follow for checking through each bureau’s official website.

TransUnion CIBIL

• Visit the website https://www.cibil.com on the web browser.

• Click on “Get Your Free CIBIL Score”.

• Sign up by providing your personal details: Name, DOB, PAN, email address, mobile number, etc.

• You’ll get an OTP. Verify your identity by entering the OTP which you’ve received.

• Now, access and download your free report.

Experian India

• Visit the website https://www.experian.in on the web browser.

• You will find the option “Check Your Free Credit Report”

• Create an account by entering your personal info. For this, you will get an OTP. Verify your identity by entering the OTP which you’ve received.

• Finally, the website displays your credit score and report.

Equifax India

• Open any web browser on your device. Enter the website URL or click on https://www.equifax.co.in.

• Go to the “Free Credit Report” section.

• Fill in all your details, including PAN or Aadhaar.

• Verify with OTPand download your report.

CRIF High Mark

• Visit https://www.crifhighmark.com on the web browser you use.

• Click on the “Check Your Credit Score” option.

• Enter your personal information. You’ll receive an OTP. Verify your identity by entering the OTP which you’ve received.

• Now, access your credit report.

Tip: It is better to make sure your personal details match exactly with your PAN and other official documents as it is necessary for seamless verification.

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Method 2: Using Trusted Financial Apps & Websites

Some reliable fintech platforms provide service to check your credit score for free. If you want a faster, in-app experience, you can check out the options provided below. Sometimes they even offer it monthly.

Below provided are some top apps and platforms that you can use.

1. OneScore App – Provides free CIBIL and Experian scores. There are no ads. Also, this app provides tips for credit improvement.
2. Paisabazaar – Provides monthly free credit score updates from multiple bureaus.
3. CreditMantri – Offers credit insights and personalized recommendations.
4. Google Pay – Free credit score check feature is integrated into the app.
5. Paytm – Use this app to view your score directly.
6. Airtel Thanks App – Allows Airtel users to get Free Equifax score.
7. Bank Websites – Some banking websites including ICICI, SBI, HDFC, and NBFCs like Poonawalla Fincorp, Bajaj Finserv also provide free service realated to credit score checking.

How to Check Cibil Score for Free Using Apps

1. Download the app or visit the website on your device.
2. Look for “Check Credit Score” or similar option.
3. Enter your personal details i.e.; PAN number, date of birth, and contact info.
4. Give your consent for sharing your data with a credit bureau.
5. Complete OTP verification.
6. View your credit score and report summary.

Why You Should Monitor Your Credit Score

It helps you spot errors early. As you might have known that inaccurate data can harm your credit score.

1. By monitoring, you can track progress. It helps you know and learn how your financial decisions can show impact your score.
2. It helps you get better offers. If you have higher scores then you can get pre-approved loans and credit cards.
3. You can stay loan-ready at any time. Moreover, you’ll know your eligibility before applying for credit.

Key Things to Remember

1. Soft Inquiry vs. Hard Inquiry

Soft inquiry is no impact on your credit when you check your credit score.

Hard inquiry is when a lender checks your score while processing loan or credit card application, it might slightly lower your score temporarily.

2. Score Variations Are Normal

Each bureau follows their own formula and they might have different data. Your score can vary slightly from one bureau to another and that’s normal. So, it’s better not to focus on single numbers and focus on trends over time.

3. Frequency of Free Checks

You can access one free report annually from one credit bureau. It means that you check your credit score for free up to four times if you switch credit bureaus. Financial apps may offer even more frequent updates.

Stay Safe Online

1. Follow the below safety and fraud preventive measures so that you avoid financial risks or frauds.
2. Only use trusted financial apps or official bureau websites.
3. Avoid sharing personal or financial details with unknown or suspicious platforms.
4. Always verify your identity using secure OTP methods. You can adopt Two-factor Authentication or Multi Factor Authentication for security.

Final Thoughts:

Regularly checking your credit or CIBIL score is essential in today’s credit-driven world and it is considered as a smart move. With several free and safe ways to do it, there’s no reason not to keep tabs on your credit health. Whether through reputable financial platforms or official bureaus, you have to make it a habit to monitor, understand, and improve your credit score over time.

Start today and your future self will thank you.