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 - CIBIL (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. Axis Bank - CIBIL (Once a Month) Link for Registration , Link for Returning Customer
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. KhataBook - Experian (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 some (CIBIL Discontinued)
24. GPay App - CIBIL (Once a Month)
25. Poonawalla Fincorp - CIBIL (Whenever You want) Link [Be ready for Spam calls]
26. Fit.Credit App - CRIF (Once in 45 Days)
27. Fi Money App - Experian (Once a Month & only for Fi Account Holders)
28. Moneycontrol - CRIF (Once a Month) Link
29. Groww Credit - CIBIL (only for limited set of Groww users for now; refresh frequency is unknown) Link
30. 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. ICICI netBanking and iMobile App - CIBIL (Free only For Wealth Management Customers) (Once a Month) [Currently Discontinued]
6. HDFC - CIBIL Score (Once a Month) Link to Register , Link for returning users [Currently Discontinued]

 

[rp0703]

I have a query, I checked my CIBIL through Axis link on the 5th of Jan. It will allow me to check refreshed score on 5th of Feb. If I don't refresh on 5th Feb and delay it till 11th Feb, then on 11th Feb when I refresh it, will it show me report of 5th Feb or 11th Feb?
Does it work the same way with SBI, RBL and Yes Bank also?

Credit report will be of date you actually refreshed. I your case it would be 11 Feb.

 

[Harry1]

I have a query, I checked my CIBIL through Axis link on the 5th of Jan. It will allow me to check refreshed score on 5th of Feb. If I don't refresh on 5th Feb and delay it till 11th Feb, then on 11th Feb when I refresh it, will it show me report of 5th Feb or 11th Feb?
Does it work the same way with SBI, RBL and Yes Bank also?

Report will be of 11th Feb and next refresh will be available on 5th March.

 

[crazyuploader]

Shouldn't have used Bajaj Finserv lol, keep getting from them every day now for a Credit Card

 

[akshayhs]

Shouldn't have used Bajaj Finserv lol, keep getting from them every day now for a Credit Card

I haven't even used them and I still get the call. Thankfully Truecaller auto blocks it.

 

[caabhi]

I tried credit score through Airtel Thanks App. Works for me, Thanks

For HDFC link, I get an error when I try to access report. Used to work for me earlier.

 

[crazyuploader]

I haven't even used them and I still get the call. Thankfully Truecaller auto blocks it.

Sadly, TrueCaller in my case shows it as a verified business/entity, and hence it doesn't block it despite the auto block settings.

 

[vbbehera]

One Score is best for CIBIL Score and Experian Score check and Wishfin, Freecharge, Airtel Thanks App, Google Pay etc. also good for CIBIL Scrore check.

 

[rockyBalboa]

I got option to check CIBIL score in Gpay App today. Best interface I've seen and data is very well organised. It gives option to predict the score also, same like what you get with paid CIBIL subscription.

 

[akshayhs]

Sadly, TrueCaller in my case shows it as a verified business/entity, and hence it doesn't block it despite the auto block settings.

Just block it for one call. The next call is auto blocked

 

[Dinnong]

I got option to check CIBIL score in Gpay App today. Best interface I've seen and data is very well organised. It gives option to predict the score also, same like what you get with paid CIBIL subscription.

where in gpay you got the option?

 

[rockyBalboa]

where in gpay you got the option?

About 3 quarters way down on main screen. I didn't have it before yesterday.

 

[akshayhs]

About 3 quarters way down on main screen. I didn't have it before yesterday.

What's the app version number? You can check by going to Settings > About > Version

 

[rockyBalboa]

What's the app version number? You can check by going to Settings > About > Version

Version 170.1.5

 

[paresh22]

I have the same version installed but could not see that option in my GPay.

 

[rockyBalboa]

I have the same version installed but could not see that option in my GPay.

Yeah. I read discussion in some thread regarding this, its random, they are rolling it out slowly.

 

[WandereR]

OneScore isn't working for me, any idea? I entered phone number, and it seems I had an account with them previously. But no name/PAN details are there and there is no option to add that as well. Tapping on profile icon on top right gives error

 

[Dinnong]

OneScore isn't working for me, any idea? I entered phone number, and it seems I had an account with them previously. But no name/PAN details are there and there is no option to add that as well. Tapping on profile icon on top right gives error

Similar issue for me too, previously registered with one phone number and again unknowingly registered with another number now I can't see CIBIL, but I can see Experian. I talked to OneScore twitter support and they replied this-

 

[sandz]

Nope. That's completely wrong.

How would you know if they update something wrong? 👀

For example my CIBIL showed wrong name (First Name and Last Name both same). So, I reported it through CIBIL. Got it fixed within a week or two. That's why we should check regularly.

The benefit of getting paid CIBIL is that you get a notification as soon as your CIBIL score is fetched by the bank.

Well I get an alert everytime there is a credit check and i use one of the free platforms to see who made the enquiry and see how the credit score has changed. I don't have a paid cibil.

 

[sandz]

Freecharge provides me with a detailed CIBIL report with accounts and enquiries etc.

I got detailed experian report

 

[WandereR]

@Dinnong How to delete the account? I mailed them to change email and details. They asked my photo with PAN. I asked them to delete the account