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StanRoute66

StanRoute66

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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)
 
Last edited by CardCraftsman.:
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prc1990 said:
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!
Click to expand...
Yeah I agree. Alas, we can't do anything until and unless RBI strengthens the rules. 🤷‍♂️
 
007 said:
Yeah I agree. Alas, we can't do anything until and unless RBI strengthens the rules. 🤷‍♂️
Click to expand...
I was digging through some of the protocols and best practices RBI designed to report credit info but there is no specific line item on what needs to be done if bank makes some mistake and customer is at the receiving end. If bank makes money and earn profits from customer's money, then shouldn't they take care of the customer as a loyality? I'm very disappointed and frustrated literally.
 
Last edited:
prc1990 said:
I was digging through some of the protocols and best practices RBI designed to report credit info but there is no specific line item on what needs to be done if bank makes some mistake and customer is at the receiving end. If banks makes money and earn profits from customer's money, then shouldn't they take care of the customer as a loyality? I'm very disappointed and frustrated literally.
Click to expand...
In developing countries customer is just lamb, you have no rights to complain. They know only one in some 100's will have enough brain and then time to add in that actually fault find with them.

Honestly its mostly fault with the idiotic agents and bank employees that sale products more than any particular banks but problem happens when they refuse to cooperate with you.
 
StanRoute66 said:
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 (Moody , and works for a few people only )
11. Another bank or Fintech apps ? Anymore platforms ? Let us know in this thread and I will keep updating this post .
Click to expand...
Sharing links for HDFC.

Enroll (for first time users) - https://myscore.cibil.com/CreditView/enrollShort.page?enterprise=HDFCBANK

Login (for returning users) - https://myscore.cibil.com/CreditView/login.page?enterprise=HDFCBANK
 
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AllSeeker said:
In developing countries customer is just lamb, you have no rights to complain. They know only one in some 100's will have enough brain and then time to add in that actually fault find with them.

Honestly its mostly fault with the idiotic agents and bank employees that sale products more than any particular banks but problem happens when they refuse to cooperate with you.
Click to expand...
It's not about Developing country vs Developed . It happens everywhere , even in the US
 
StanRoute66 said:
It's not about Developing country vs Developed . It happens everywhere , even in the US
Click to expand...
There you can complain and people take your complaint seriously. That's the difference between the developing vs developed. Of course everywhere people have to shit, but how its processed can be vastly different due to where you are born.
 
AllSeeker said:
There you can complain and people take your complaint seriously. That's the difference between the developing vs developed. Of course everywhere people have to shit, but how its processed can be vastly different due to where you are born.
Click to expand...
Yes banking regulations need to be restructured in order to protect customer and their loyality.
 
007 said:
Are you using the card like is bill getting generated? Also have been paying before month end coz HDFC reports (and it only reports max utilized amount) to CIBIL at month end. So could be you paid all dues before month end, hence nothing shows up.
Click to expand...
I don't have issue with that , I have issue with this,as it shows nothing 😢
And some wierd 1970 year
IMG_20220524_103412.jpg
 
007 said:
Are you using the card like is bill getting generated? Also have been paying before month end coz HDFC reports (and it only reports max utilized amount) to CIBIL at month end. So could be you paid all dues before month end, hence nothing shows up.
Click to expand...
Inki samasya kya hai bhai ?
 
StanRoute66 said:
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) Link to Register , Link for returning users
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) Link
7. Bajaj Finserv- CIBIL (Whenever you want) Link
8. Kotak Bank - Experian (Once a Month)
9. CRED - CRIF + Experian (Once a Month)
10. Amazon - CIBIL (Moody , and works for a few people only )
11. Another bank or Fintech apps ? Anymore platforms ? Let us know in this thread and I will keep updating this post .
Click to expand...
This all are I allredy know and maymore available.but recently I figure out one platform that gives real-time free CIBIL REPORT REFRESH AS YOU WANT NO MONTHLY.

PLATFORM IS PAYME INDIA for some people it spam loan app but trust checking cibil score on this platform just awesome
Link https://www.paymeindia.in/get-cibil-report
 
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