Cibil Credit Report

The government of India has mandated to all Credit Bureau Companies that from January 1, 2017, customers will receive one free cibil credit report once a year. For all credit bureaus, including CIBIL, Equifax, Experian, and CRIF High Mark, this rule is applicable. Thus, the client can check the free credit score and report online on the respective credit bureaus’ websites. Each credit office, however, has a different process and format for delivering an online credit report. Furthermore, the report is only available once a year, and some offices publish a shorter and more concise version of the report, rather than providing customers with a complete credit report.


You must follow the below-mentioned steps to check your free CIBIL score:

  • If you are already a member of CIBIL, login to the CIBIL website and click on ‘My Account’.
  • Then click ‘Get Free Score and Report’ and immediately check the free credit score once a year.
  • Then visit the CIBIL website, choose ‘Get your free annual score and report’, and register yourself if you are a new user. Now, you can immediately get a free credit score.
  • However, if you have already benefited from a free CIBIL score check and want another report within a year, you must pay the nominal amount of the fee. After authentication and payment are made, you can then receive the credit score by email.


Follow the steps mentioned below to get a paid CIBIL report:

By providing personal details, login to the CIBIL website, and complete the application form, and click on the ‘submit’ option. You have to make a payment of Rs 550 either via net banking or debit/credit card to get an annual report. Once the payment is confirmed, the next step is authentication, where 3 out of 5 questions based on credit history must be answered. The score will be sent to your email ID within 24 hours if the verification and payment process is successfully completed.

The process of online checking the report is fast and convenient for you. To provide a loan, a score of 750 is considered trustworthy by lenders.