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)

 

[asm07]

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).

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.

 

[350modena]

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.

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.

 

[Wealth is my birth right!]

Anyone pls share your CIBIL check experience on jio financie

 

[helloworld]

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.

unless its same in official website, its not valid to report.

 

[350modena]

unless its same in official website, its not valid to report.

I don't have a cibil paid account so unable to check there.

 

[Rohith-2009]

I don't have a cibil paid account so unable to check there.

You can share axis report too

 

[350modena]

You can share axis report too

How do I share it with cibil? The dispute page does not open.. is there an email ID ?

 

[Rohith-2009]

How do I share it with cibil? The dispute page does not open.. is there an email ID ?

CIBIL will not do any changes. You have to approach the lenders if any mistake

 

[asm07]

unless its same in official website, its not valid to report.

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]

CIBIL will not do any changes. You have to approach the lenders if any mistake

So how does one approach say HDFC? Is there a dedicated email or their regular CC email works for such an issue ?

 

[helloworld]

So how does one approach say HDFC? Is there a dedicated email or their regular CC email works for such an issue ?

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

 

[helloworld]

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.

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.

 

[asm07]

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.

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.

 

[350modena]

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

Yes i am going to do that thanks. Will check another source of cibil or cibil directly to see what's going on.

 

[srinath4ever]

great info!! never tried most of them. just using onescore app from few months.

 

[fageriaji]

I don't have a cibil paid account so unable to check there.

It's free once a year. You can download it from official website

 

[asm07]

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!!!

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.

 

[350modena]

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.

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]

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.

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.

 

[asm07]

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.

So now the axis cibil report is same as the official one without any score drop?