Platforms to check Credit Score for free

[StanRoute66]

If you don't wanna spend some ₹1k per annum on CIBIL membership (Which has it's own advantages ) ,then here are a few Options to keep you updated on your Credit Profile for FREE :

1. OneScore - CIBIL + Experian (Once a Month)
2. PaisaBazaar - CIBIL + Experian + CRIF + Equifax (Once a Month)
3. BankBazaar - Don't even think about it (Trust me , just don't)
4. Paytm - CIBIL for some , Equifax for some, Experian for Some (Once a Quarter)
5. Bajaj Finserv- CIBIL (Once a Month) Link
6. Kotak Bank - Experian (Once a Quarter)
7. CRED - CRIF + Experian (Once a Month)
8. Amazon App - CIBIL (Once a Quarter/3months , and works for a few people only )
9. Payme IN - CIBIL (Whenever you want) Link [Be ready for Spam calls]
10. Freecharge - Experian (Once a Quarter)
11. Wishfin - CIBIL (Once a Month) Link
12. IIFL - CIBIL (Whenever You want) Link
13. Indialends - CIBIL (Once a month) Link [Be ready for SPAM Calls]
14. CreditMantri - Equifax (Once a Month) Link
15. ICICI iMobile App - CIBIL (Free only For Wealth Management Customers) (Once a Month)
16. Bank Karo - CRIF (Once a month) Link
17. Tata Neu - Experian (Tried only once) Under NeuPass Tab , press on "My Credit" .
18. INDMoney App - Experian (Once a Month)
19. BharatPe - Experian (Once a month)
20. Kiwi - CIBIL (Once a month)
21. MyMoneyKarma - Equifax (Once a Month) - Link
22. Experian Business Account on Whatsapp - Experian (Whenever needed) - Link
23. Airtel Thanks App - CRIF for all (CIBIL Discontinued)
24. GPay App - CIBIL (Once a Month)
25. Poonawalla Fincorp - CIBIL (Whenever You want) Link [Be ready for Spam calls]
26. Freo - CRIF (Once in 45 Days) Link
27. Fi Money App - Experian (Once a Month & only for Fi Account Holders)
28. Moneycontrol - CRIF (Once a Month) Link
29. Groww Credit - CIBIL (Once a month; for now limited to Groww users) Link
30. Sri Ram Finance App - CRIF (Once a Month)

Another bank or Fintech apps ? Anymore platforms ? Let us know in this thread and I will keep updating this post .
Discontinued

1. LazyPay - CIBIL (Once a Month) Link [Currently Discontinued]
2. SBI Home Loan - CIBIL (Once a month) Link [Currently Discontinued]
3. Yes Bank - CIBIL Score (Once a Month) Registration Link , Link for Returning Customers [Currently Discontinued]
4. RBL - CIBIL Score (Once a Quarter/3months) Registration Link , Link for Returning Customers [Currently Discontinued]
5. Axis Bank - CIBIL (Once a Month) Link for Registration , Link for Returning Customer [Currently Discontinued]
6. HDFC - CIBIL Score (Once a Month) Link to Register , Link for returning users [Currently Discontinued]
7. KhataBook - Experian (Once a month)

 

[StanRoute66]

You didn't mention Amazon

Wow .. You See , I didn't know about it .
Is it refreshed every month ?

 

[prc1990]

If you don't wanna spend some ₹1k per annum on CIBIL membership (Which has it's own advantages ) ,then here are a few Options to keep you updated on your Credit Profile :

1. HDFC - CIBIL Score (Once a Month)
2. OneScore - CIBIL + Experian (Once a Month)
3. PaisaBazaar - CIBIL + CRIF + Equifax (Once a Month)
4. BankBazaar - Don't even think about it (Trust me , just don't)
5. Paytm - CIBIL for some , Equifax for some, Experian for Some (Jab inka mood ho)
6. SBI Home Loan - CIBIL (Whenever you want)
7. Bajaj Finserv- CIBIL (Whenever you want)
8. Kotak Bank - Experian (Once a Month)
9. CRED - CRIF + Experian (Once a Month)
10. Amazon - CIBIL (Once a Month)
11. Another bank or Fintech apps ? Anymore platforms ? Let us know in this thread and I will keep updating this post .

SBI Home Loan, is it an app?

 

[007]

SBI Home Loan, is it an app?

Nope. Website.
Here:
https://homeloans.sbi/getcibil

 

[StanRoute66]

Not every month ...
And it doesn't work for everyone apparently

that's a bummer

 

[007]

Used this for the first time ... Seems to work well
(I already have paid subscription though)

Hmm. I mostly rely on OneScore, CRED, Amazon, Paytm. More than enough.

 

[prc1990]

Nope. Website.
Here:
https://homeloans.sbi/getcibil

Is it free? While registering here will it throw any enquiry?

 

[007]

Is it free? While registering here will it throw any enquiry?

Yes
No

 

[prc1990]

Yes
No

How is your experience with this? We can fetch unlimited time like a paid subscription?

 

[007]

CRED doesn't show Cibil

CIBIL - Amazon, OneScore
CRIF - Cred
Experian - OneScore
Equifax - Paytm

In short, all credit bureaus covered!

 

[prc1990]

CIBIL - Amazon, OneScore
CRIF - Cred
Experian - OneScore
Equifax - Paytm

In short, all credit bureaus covered!

For me score doesn't get refreshed on Amazon and Paytm. Not sure why!

 

[007]

How is your experience with this? We can fetch unlimited time like a paid subscription?

It's good, I dont use it often. Just when I need the complete report in PDF.
You shouldn't check too often, once in a month is more than enough on any platform.

 

[007]

For me score doesn't get refreshed on Amazon and Paytm. Not sure why!

For Amazon and Paytm, it doesn't update monthly for me too. Don't know the frequency.

 

[007]

Well I can check everyday with my paid one

No offence, but you are wasting your time.

 

[007]

By that logic, why should we check at all?

Just pay all dues in time and hope for the best, eh?

Nope. That's completely wrong.

How would you know if they update something wrong? 👀

For example my CIBIL showed wrong name (First Name and Last Name both same). So, I reported it through CIBIL. Got it fixed within a week or two. That's why we should check regularly.

The benefit of getting paid CIBIL is that you get a notification as soon as your CIBIL score is fetched by the bank.

 

[StanRoute66]

How is your experience with this? We can fetch unlimited time like a paid subscription?

Every time you will have to fill all the details and check your report .

 

[prc1990]

Every time you will have to fill all the details and check your report .

Is it? 😩

 

[007]

Is it? 😩

Yup, that's one of the reason I don't check it that often. 🤣

 

[StanRoute66]

Is it? 😩

Yes , So use SBI Home loan CIBIL only when you want full PDF Report .

 

[prc1990]

Nope. That's completely wrong.

How would you know if they update something wrong? 👀

For example my CIBIL showed wrong name (First Name and Last Name both same). So, I reported it through CIBIL. Got it fixed within a week or two. That's why we should check regularly.

The benefit of getting paid CIBIL is that you get a notification as soon as your CIBIL score is fetched by the bank.

The saddest part is, CIBIL doesn't update Account Information including the payment history from their end and would redirect you to reach out to the lender directly. And then there are lenders who do not accept their fault promptly even if the shortfall is at their end. In either cases, customers are the sufferer at the end. We will pay back on time and we only need to chase them in case something goes wrong at their end. Then being a responsible and loyal borrower doesn't make any sense. Hypocrisy at its best!