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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 noobdipesh:
Apply For LTF AU LIT Credit Card
My CRED report dropped my score this month, citing some PNB card delayed payments in 2022-23, neither my card, nor it was shown ever.
Fun thing, none of the credit reports (CIBIL, CRIF, EXPERIAN & EQUI) mentions that card, and my credit score is intact 774.

This Ghost card appears only on CRED & cred support asked me to remove the card from app, thats it.
Will there be any trouble?
 
Apply For LTF HDFC Swiggy Credit Card
bokoba said:
My CRED report dropped my score this month, citing some PNB card delayed payments in 2022-23, neither my card, nor it was shown ever.
Fun thing, none of the credit reports (CIBIL, CRIF, EXPERIAN & EQUI) mentions that card, and my credit score is intact 774.

This Ghost card appears only on CRED & cred support asked me to remove the card from app, thats it.
Will there be any trouble?
Click to expand...
transunion is guru
see that end to end if its clear then fine to go
 
bokoba said:
My CRED report dropped my score this month, citing some PNB card delayed payments in 2022-23, neither my card, nor it was shown ever.
Fun thing, none of the credit reports (CIBIL, CRIF, EXPERIAN & EQUI) mentions that card, and my credit score is intact 774.

This Ghost card appears only on CRED & cred support asked me to remove the card from app, thats it.
Will there be any trouble?
Click to expand...
CRED's partner in crime with regard to credit score is: CRIF.
 
bokoba said:
My CRED report dropped my score this month, citing some PNB card delayed payments in 2022-23, neither my card, nor it was shown ever.
Fun thing, none of the credit reports (CIBIL, CRIF, EXPERIAN & EQUI) mentions that card, and my credit score is intact 774.

This Ghost card appears only on CRED & cred support asked me to remove the card from app, thats it.
Will there be any trouble?
Click to expand...
Cred shows CRIF credit score. If you find nothing wrong in CRIF then I don't think it's serious.
 
350modena said:
H

How different can this cibil score be from the one on cibils website? I saw my (free) score around mid July and now on axis and there is an almost 50 point difference!!!
Click to expand...
This is exactly same as CIBIL, no difference. If you see different score here then your CIBIL score must have changed. 50 points increase or decrease by the way?
 
asm07 said:
Whoa! Anything you believe could have resulted in such drop like late payment update or anything else? Check full report and analyze anything abnormal.
Click to expand...
Nothing abnormal. Checked my report last on 20/7 and it was fine. All CCs paid in full before their due date. Less than 1% utilisation. Axis does not show full report so trying to figure it out.
 
350modena said:
Nothing abnormal. Checked my report last on 20/7 and it was fine. All CCs paid in full before their due date. Less than 1% utilisation. Axis does not show full report so trying to figure it out.
Click to expand...
After logging into axis cibil website, click on the 3 line button on the top right corner of the chrome, click on share, then print and save the report as pdf
 
Ahha
350modena said:
Nothing abnormal. Checked my report last on 20/7 and it was fine. All CCs paid in full before their due date. Less than 1% utilisation. Axis does not show full report so trying to figure it out.
Click to expand...

Rohith-2009 said:
After logging into axis cibil website, click on the 3 line button on the top right corner of the chrome, click on share, then print and save the report as pdf
Click to expand...
Tried doing this. Saw the report.

It's not reporting any of my old cards. It's reporting the amex add on i got in June 24 the the hdfc floater I got in may 24. It's not reporting my 11 years + credit history (this is as seen on my mobile browser. Will check on laptop as well).
 
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