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Check your CIBIL score in 8 simple steps

How to Check Cibil Score

How to check CIBIL Score for free and understand how to get your CIBIL report with these simple steps


Whether you are applying for a loan or a credit card, your CIBIL score plays a major role in your application and approval process. Having a good CIBIL score is essential. But what exactly is a CIBIL score and how can you find out your CIBIL score for free? Here’s more information:

What is a CIBIL score?


The Credit Information Bureau India Ltd. (CIBIL) is authorised by the RBI to generate a detailed credit record of an individual. A CIBIL score or a CIBIL report indicates your credit information and creditworthiness with a three-digit number, on a scale of 300-900. The score is calculated based on your loan and credit repayment history. Banks and non-banking financial companies (NBFCs) take this score into account when you apply for a loan or a credit card with them.

A CIBIL score of between 700-900 is a good score. A good CIBIL score can simplify and speed up your loan application process. At IDFC FIRST Bank, a good credit score ensures you receive maximum rewards and rich benefits.

A score of above 750 puts you in a solid position to avail of personal loans, home loans and auto loans at low interest rates. A good credit score also gives you access to some of our premium products. You can get any of our top credit cards with a score of 750 or above.

Furthermore, our credit cards shield you against emergencies and offer exciting cashbacks that ensure maximum savings. From frequent international travellers to millennials, we offer credit cards for everyone.

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Different types of Credit Cards and their features

How to check your CIBIL score?


To get your free CIBIL report and CIBIL score, follow these steps:

  1. Visit the official CIBIL website: https://www.cibil.com/
  2. On the top right corner, you will see the tab ‘Get your CIBIL score.’ Click on it.
  3. Scroll to the bottom of the page where you will find the option ‘Click here’ to get a free CIBIL report, without paying any subscription fees.
  4. Enter the required information as requested on the next page and click ‘Accept & Continue.’
  5. Enter the OTP you receive and click ‘Continue.’
  6. This will complete your enrolment on the CIBIL website. After this, click on ‘Go to Dashboard.’
  7. Once you land on the homepage, click on ‘Member Login’ to log into the account you just made.
  8. After a successful login, the site will display your CIBIL score.

A good CIBIL report is a gateway to exciting benefits. At IDFC FIRST Bank, a good CIBIL score can help you grab personal loans and home loans at low interest rate, get the best credit cards, and avail of personalized offers.

Always pay your dues on time. Whether it is paying credit card bills or repayment of loans, ensure timely payments to get a good record in your CIBIL report.


Tips for maintaining a good CIBIL score


To maintain a good CIBIL score, remember these three things:

  1. Always pay your dues on time. Whether it is paying credit card bills or repayment of loans, ensure timely payments to get a good record in your CIBIL report.
  2. Do not use the complete spending limit on your credit card. Maxing out your credit limit can have a negative impact on your CIBIL score.
  3. Do not depend on just one form of debt. To maintain a good CIBIL score, it is also important that you seek financial help from a secured and unsecured sources such as a credit card (unsecured) and a loan (secured).

Keeping track of your CIBIL score and paying all the dues on time will help you maintain a great CIBIL report, which will, in turn, help you get the best deals from banks.

 

Disclaimer

The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.

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