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Credit Score & CIBIL
Reading your report, disputing fraud, protecting your score, and avoiding CIBIL scams
Check your report now if: you applied for credit and were rejected without clear reason, you received collection calls for loans you don't recognise, or you haven't checked in over a year. Identity theft via Aadhaar/PAN misuse is common.
You are legally entitled to one free credit report per year from all four bureaus (CIBIL, Experian, Equifax, CRIF Highmark). CIBIL's free annual report is at cibil.com. Paid monthly monitoring is also available. A score of 750+ is considered good for loan eligibility.
Official resources:
→ cibil.com — Official TransUnion CIBIL website
→ paisabazaar.com — Free score check (no impact to score)
Score ranges at a glance
300–549PoorLoans difficult to obtain
550–649FairHigh-interest offers only
650–749GoodStandard approvals
750–799Very GoodGood rates, easy approvals
800–900ExcellentBest rates, priority service