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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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yusuf646 said:
The Paisabazaar app offers free downloads of credit report in PDF from all 4 credit bureaus - CIBIL, Experian, CRIF, and Equifax.
Click to expand...
In CIBIL report account numbers are masked and they aren't updating Experian credit report for most of the users. Experian free credit report in pdf can be downloaded from https://consumer.experian.in/ECV-OL...source=wesbite&utm_medium=HP&utm_campaign=FCR.

To get all loan/card account numbers in CIBIL pdf use SBI home loans website.
 
Last edited:
I found a trick for get option for cibil score in GPAY first'Uninstall your Gpay app or leve if anyone join any beta program for gpay.and reboot your device and install Gpay again you see the magic let me know if work's for you it's works for me.
 
OneScore, Freecharge, Paytm, Sbicard, PaisaBazaar, Etc.

But It will be best if you will limit your exposure to all companies.

check Your credit score in OneScore app, It gets refreshed in 30 days.
else you can Also take CIBIL subscription.

recently Bajaj Finance Introduced Credit Card Pass @99 only for 1 year. (you can check Unlimited times Free Credit Score)
 
Gk123 said:
I found a trick for get option for cibil score in GPAY first'Uninstall your Gpay app or leve if anyone join any beta program for gpay.and reboot your device and install Gpay again you see the magic let me know if work's for you it's works for me.
Click to expand...
not working
 
Strange said:
In CIBIL report account numbers are masked and they aren't updating Experian credit report for most of the users. Experian free credit report in pdf can be downloaded from experian.in.

To get all loan/card account numbers in CIBIL pdf use SBI home loans website.
Click to expand...
Yes the account numbers are masked but still it's valid for corrections. I used Paisabazaar's CRIF Report PDF when submitting a Credit Report Correction Request to ZestMoney & they accepted it. By the way do you know any other way to download CRIF Report PDF for free?
 
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 for FREE :

1. HDFC - CIBIL Score (Once a Month) Link to Register , Link for returning users [Currently Discontinued]
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 (Once a Quarter)
6. SBI Home Loan - CIBIL (Once a month) 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 App - CIBIL (Once a Quarter/3months , and works for a few people only )
11. Payme IN - CIBIL (Whenever you want) Link [Be ready for Spam calls]
12. Freecharge - CIBIL (Once a Month)
13. Wishfin - CIBIL (Once a Month) Link
14. IIFL - CIBIL (Whenever You want) Link
15. ICICI netBanking and iMobile App - CIBIL (Free only For Wealth Management Customers) (Once a Month)
16. Indialends - CIBIL (Once a month) Link
17. RBL - CIBIL Score (Once a Quarter/3months) Registration Link , Link for Returning Customers
18. Yes Bank - CIBIL Score (Once a Month) Registration Link , Link for Returning Customers
19. CreditMantri - Equifax (Once a Month) Link
20. Axis Bank - CIBIL (Once a Month) Link for Registration , Link for Returning Customer
21. LazyPay - CIBIL (Once a Month) Link [Currently Discontinued]
22. Bank Karo - CRIF (Once a month) Link
24. Tata Neu - Experian (Tried only once) Under NeuPass Tab , press on "My Credit" .
25. INDMoney App - Experian (Once a Month)
26. BharatPe - Experian (Once a month)
27. KhataBook - Experian (Once a month)
28. MyMoneyKarma - Equifax (Once a Month) - Link
29. Experian Business Account on Whatsapp - Experian (Whenever needed) - Link
30. Airtel Thanks App - CIBIL (Currently Available for a few users only)
31. GPay App - CIBIL (Currently Available for a few users only)
32. Poonawalla Fincorp - CIBIL (Whenever You want) Link
33. Another bank or Fintech apps ? Anymore platforms ? Let us know in this thread and I will keep updating this post .
Click to expand...
Kotak Bank now refreshes every 3 months.
 
Apply For LTF HDFC Swiggy Credit Card
I find SBI home loan link as the best option. Plus the IIFL one is good too. It summarises well between active and inactive accounts.
 
Paisabazaar update:

Customers will now receive only 1 refreshed report for each month instead of all. It can be from any of these bureaus CIBIL, CRIF Highmark, Experian and Equifax.

IMG_20230303_173942.jpg
 
helloworld said:
Those who are saving 1200 Rs. by providing PAN, whole credit card numbers for some banks, mobile number along with

- Cheq = Where people providing CVV for credit card payment to get 1%.
- Platforms to check Credit Score for free = To save 1200, they're providing credit card numbers itself.
- Sharing details in Paisa Bazaar etc. to get those 500rs. credit cards because they can't apply same in actual website.

Do read this,

www.deccanherald.com

Cyber criminals use PAN details of M S Dhoni, Abhishek Bachchan, Shilpa Shetty for credit card fraud, 5 arrested

In a bizarre case of cyber fraud, a group of fraudsters allegedly procured PAN details of several Bollywood actors and cricketers from their GST Identification Numbers which are available online, and got credit cards issued in their names from Pune-based fintech startup 'One Card'.
www.deccanherald.com www.deccanherald.com

In one bad day, your paisa bazaar employee can share all the CIBIL data fetched through them and can be used for misuse. I know it can happen with any day even after careful but just saying be careful, and if possible just spend 1200 instead of sharing data on these platforms.
Click to expand...

Many banks do vKYC and I'm sure these scamsters in the article defrauded many of the bigger banks as well. If anything, the takeaway from that article for me is that OneCard did really well in detecting this fraud using analytics. And do note that everything was collected by the criminals from publicly available data and not through any of these apps. The way PAN card was faked is the most crucial part of this fraud and most worrisome for me.

Though I agree it maybe prudent to avoid paisabazaar, many of the links from first page like Yes Bank, HDFC are just custom branded CIBIL pages, so there's no risk unless you don't trust the bureau themselves.
 
helloworld said:
Those who are saving 1200 Rs. by providing PAN, whole credit card numbers for some banks, mobile number along with

- Cheq = Where people providing CVV for credit card payment to get 1%.
- Platforms to check Credit Score for free = To save 1200, they're providing credit card numbers itself.
- Sharing details in Paisa Bazaar etc. to get those 500rs. credit cards because they can't apply same in actual website.

Do read this,

www.deccanherald.com

Cyber criminals use PAN details of M S Dhoni, Abhishek Bachchan, Shilpa Shetty for credit card fraud, 5 arrested

In a bizarre case of cyber fraud, a group of fraudsters allegedly procured PAN details of several Bollywood actors and cricketers from their GST Identification Numbers which are available online, and got credit cards issued in their names from Pune-based fintech startup 'One Card'.
www.deccanherald.com www.deccanherald.com

In one bad day, your paisa bazaar employee can share all the CIBIL data fetched through them and can be used for misuse. I know it can happen with any day even after careful but just saying be careful, and if possible just spend 1200 instead of sharing data on these platforms.
Click to expand...
"they were asked questions related to their financial activities which they answered easily as they had got all such details from CIBIL.

The source informed that they were aware that these celebrities possibly have good CIBIL scores which would
brighten their chances of getting credit cards."

>They got details from the CIBIL also they assumed that they have good CIBIL.
They got their CIBIL report or not? 🙄
 
Last edited:
helloworld said:
Those who are saving 1200 Rs. by providing PAN, whole credit card numbers for some banks, mobile number along with

- Cheq = Where people providing CVV for credit card payment to get 1%.
- Platforms to check Credit Score for free = To save 1200, they're providing credit card numbers itself.
- Sharing details in Paisa Bazaar etc. to get those 500rs. credit cards because they can't apply same in actual website.

Do read this,

www.deccanherald.com

Cyber criminals use PAN details of M S Dhoni, Abhishek Bachchan, Shilpa Shetty for credit card fraud, 5 arrested

In a bizarre case of cyber fraud, a group of fraudsters allegedly procured PAN details of several Bollywood actors and cricketers from their GST Identification Numbers which are available online, and got credit cards issued in their names from Pune-based fintech startup 'One Card'.
www.deccanherald.com www.deccanherald.com

In one bad day, your paisa bazaar employee can share all the CIBIL data fetched through them and can be used for misuse. I know it can happen with any day even after careful but just saying be careful, and if possible just spend 1200 instead of sharing data on these platforms.
Click to expand...
The main problem with Indians is CIBIL itself is not trustworthy to be frank.
 
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