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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 a moderator:
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350modena said:
Ahha



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).
Click to expand...
That's weird. I don't understand why it's showing different report, it should be the same as CIBIL website. Try checking on Amazon, it shows full report. Gpay, One score also shows CIBIL score, you can't download there but you can check. The amazon and axis reports are identical to original CIBIL, these show control number which is required while raising any dispute. Amazon one doesn't even show its logo, only CIBIL logo unlike axis which shows it's logo along with CIBIL's. Irrespective of this, score and report must be same everywhere.
 
asm07 said:
That's weird. I don't understand why it's showing different report, it should be the same as CIBIL website. Try checking on Amazon, it shows full report. Gpay, One score also shows CIBIL score, you can't download there but you can check. The amazon and axis reports are identical to original CIBIL, these show control number which is required while raising any dispute. Amazon one doesn't even show its logo, only CIBIL logo unlike axis which shows it's logo along with CIBIL's. Irrespective of this, score and report must be same everywhere.
Click to expand...
So its only showing my add on (from spouse issued in June24) and the Floater (mine issued in May 24)

Its not showing my 2 active cards (HDFC and Amex) since 2015/18 nor my earlier closed accounts (since 2011)

so damn wierd!

now, if i click on raise a dispute it takes me to cibils websiet - so i will use the control number to raise a dispute (cibil site is not allowing saying score on cibil site is > 2 months old so i need to refresh)

Will also check amazon.
 
350modena said:
So its only showing my add on (from spouse issued in June24) and the Floater (mine issued in May 24)

Its not showing my 2 active cards (HDFC and Amex) since 2015/18 nor my earlier closed accounts (since 2011)

so damn wierd!

now, if i click on raise a dispute it takes me to cibils websiet - so i will use the control number to raise a dispute (cibil site is not allowing saying score on cibil site is > 2 months old so i need to refresh)

Will also check amazon.
Click to expand...

unless its same in official website, its not valid to report.
 
helloworld said:
unless its same in official website, its not valid to report.
Click to expand...
You can directly raise concern from cibil website using contact us option, should provide necessary details like screenshots, control number etc. They'll raise dispute on your behalf, I have done. They share regular updates through email and sms.
 
350modena said:
So how does one approach say HDFC? Is there a dedicated email or their regular CC email works for such an issue ?
Click to expand...

regular email but better check official report or some other app before wasting time, it might be axis technical glitch.

so, its kind of wasting gour time if you rely on that solely
 
asm07 said:
You can directly raise concern from cibil website using contact us option, should provide necessary details like screenshots, control number etc. They'll raise dispute on your behalf, I have done. They share regular updates through email and sms.
Click to expand...

its wasting time to believe whatever available in 3rd party (minor mistakes ok but not complete account removals like where OP experienced), its better to check other app or official report before making any dispute.

it saves time and gives more clarity otherwise unnecessary mails where info might already available and that 3rd party unable to show due to some issues.
 
helloworld said:
its wasting time to believe whatever available in 3rd party (minor mistakes ok but not complete account removals like where OP experienced), its better to check other app or official report before making any dispute.

it saves time and gives more clarity otherwise unnecessary mails where info might already available and that 3rd party unable to show due to some issues.
Click to expand...
Yes. First user needs to what caused the drop, also needs to verify with other platforms showing cibil as he claims the axis one is different. Otherwise emailing or raising dispute directly with cibil would be like taking shots in the dark.

In my case it was an unauthorized enquiry issue, first I reported the lender then to be extra cautious I raised a cibil dispute.
 
helloworld said:
regular email but better check official report or some other app before wasting time, it might be axis technical glitch.

so, its kind of wasting gour time if you rely on that solely
Click to expand...
Yes i am going to do that thanks. Will check another source of cibil or cibil directly to see what's going on.
 
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...
Screenshot 2024-08-03 204014.webp This is definitely closest to the official TU CIBIL report (along with amazon) as once you sign up here, you will receive welcome email from TU CIBIL itself.
 
asm07 said:
View attachment 63759This is definitely closest to the official TU CIBIL report (along with amazon) as once you sign up here, you will receive welcome email from TU CIBIL itself.
Click to expand...
Got this email but still, there is a difference. I've contacted Cibil and they've given me an SR for the difference in Cibil scores (attached both SS from cibil website and axis website). They've said a dispute can take upto 30 days so going to wait I guess.
 
350modena said:
Got this email but still, there is a difference. I've contacted Cibil and they've given me an SR for the difference in Cibil scores (attached both SS from cibil website and axis website). They've said a dispute can take upto 30 days so going to wait I guess.
Click to expand...
UPDATE - So Cibil reverted saying that matched both the scores (from axis site and cibil site) and send info to banks and got everything corrected and sent me a new report.

Now this one appears fine Except it shows my Add on card (Amex) which ive never seen or heard before.
 
350modena said:
UPDATE - So Cibil reverted saying that matched both the scores (from axis site and cibil site) and send info to banks and got everything corrected and sent me a new report.

Now this one appears fine Except it shows my Add on card (Amex) which ive never seen or heard before.
Click to expand...
So now the axis cibil report is same as the official one without any score drop?
 
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