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. 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]

 

[knight]

Mobikwik has also added CIBIL check option.

Haven't tried so can't confirm the frequency yet.

EDIT: The TnC agreement says CIBIL, but it loads CRIF score. Useless.

 

[credit_noob]

@StanRoute66 Freecharge now refreshes every 3 months.

Yes I checked it's 3 months now on wards

 

[D₹V]

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. HDFC - CIBIL Score (Once a Month) Link to Register , Link for returning users [Currently Discontinued]
2. OneScore - CIBIL + Experian (Once a Month)
3. PaisaBazaar - CIBIL + Experian + CRIF + Equifax (Once a Month)
4. BankBazaar - Don't even think about it (Trust me , just don't)
5. Paytm - CIBIL for some , Equifax for some, Experian for Some (Once a Quarter)
6. SBI Home Loan - CIBIL (Once a month) Link
7. Bajaj Finserv- CIBIL (Once a Month) Link
8. Kotak Bank - Experian (Once a Quarter)
9. CRED - CRIF + Experian (Once a Month)
10. Amazon App - CIBIL (Once a Quarter/3months , and works for a few people only )
11. Payme IN - CIBIL (Whenever you want) Link [Be ready for Spam calls]
12. Freecharge - CIBIL (Once a Month)
13. Wishfin - CIBIL (Once a Month) Link
14. IIFL - CIBIL (Whenever You want) Link
15. ICICI netBanking and iMobile App - CIBIL (Free only For Wealth Management Customers) (Once a Month)
16. Indialends - CIBIL (Once a month) Link
17. RBL - CIBIL Score (Once a Quarter/3months) Registration Link , Link for Returning Customers [Currently Discontinued]
18. Yes Bank - CIBIL Score (Once a Month) Registration Link , Link for Returning Customers [Currently Discontinued]
19. CreditMantri - Equifax (Once a Month) Link
20. Axis Bank - CIBIL (Once a Month) Link for Registration , Link for Returning Customer
21. LazyPay - CIBIL (Once a Month) Link [Currently Discontinued]
22. Bank Karo - CRIF (Once a month) Link
24. Tata Neu - Experian (Tried only once) Under NeuPass Tab , press on "My Credit" .
25. INDMoney App - Experian (Once a Month)
26. BharatPe - Experian (Once a month)
27. KhataBook - Experian (Once a month)
28. MyMoneyKarma - Equifax (Once a Month) - Link
29. Experian Business Account on Whatsapp - Experian (Whenever needed) - Link
30. Airtel Thanks App - CIBIL (Once a Month & only for airtel customers)
31. GPay App - CIBIL (Once a Month)
32. Poonawalla Fincorp - CIBIL (Whenever You want) Link [Be ready for Spam calls]
33. Fit.Credit App - CRIF (Once in 45 Days)
34. Fi Money App - Experian (Once a Month & only for Fi Account Holders)
35. Moneycontrol - CRIF (Once a Month) Link
36. Another bank or Fintech apps ? Anymore platforms ? Let us know in this thread and I will keep updating this post .

Freecharge now shows Free Credit Report (CIBIL) Quarterly instead of Monthly.

Previously it was showing new report on monthly basis.

iMobile free CIBIL report also stopped working this month.

Looks like doors of free credit report is closing everywhere.

 

[VedKarma]

SBI home loan one showing me old report after a month

 

[sudheerreddy]

My Experience with Amazon App Cibil Score: It updates every 1 month. But it only happens when I try to check the score on 1st of Every Month. If I try to check the score on the rest of the days it won't update for me.

 

[knight]

My Experience with Amazon App Cibil Score: It updates every 1 month. But it only happens when I try to check the score on 1st of Every Month. If I try to check the score on the rest of the days it won't update for me.

Tried this, Didn't refresh for me.

Last updated 22 Oct.

 

[sudheerreddy]

Tried this, Didn't refresh for me.

Last updated 22 Oct.

for me, it refresh on the 1st of every month.
Maybe not for everyone.

 

[timva]

I have an ICICI Wealth Management account but still I get the error "unable to fetch credit report" everytime both on Imobile as well as net banking. Can someone please help me fix this?

 

[knight]

I have an ICICI Wealth Management account but still I get the error "unable to fetch credit report" everytime both on Imobile as well as net banking. Can someone please help me fix this?

Only fix is to buy Cibil subscription. or check through other websites.

ICICI has suspended free cibil reports for now. No workaround available for ICICI

 

[CyberPsych]

Paytm - CIBIL for some , Equifax for some, Experian for Some (Once a Quarter)

Once a quarter means, calendar quarter or 90 days? If it is calendar quarter, I can check in Dec last week and January first week because both these months fall in different quarters.

 

[BeingIncog]

90 days

This. . .

 

[drsel]

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. HDFC - CIBIL Score (Once a Month) Link to Register , Link for returning users [Currently Discontinued]
2. OneScore - CIBIL + Experian (Once a Month)
3. PaisaBazaar - CIBIL + Experian + CRIF + Equifax (Once a Month)
4. BankBazaar - Don't even think about it (Trust me , just don't)
5. Paytm - CIBIL for some , Equifax for some, Experian for Some (Once a Quarter)
6. SBI Home Loan - CIBIL (Once a month) Link
7. Bajaj Finserv- CIBIL (Once a Month) Link
8. Kotak Bank - Experian (Once a Quarter)
9. CRED - CRIF + Experian (Once a Month)
10. Amazon App - CIBIL (Once a Quarter/3months , and works for a few people only )
11. Payme IN - CIBIL (Whenever you want) Link [Be ready for Spam calls]
12. Freecharge - CIBIL (Once a Quarter)
13. Wishfin - CIBIL (Once a Month) Link
14. IIFL - CIBIL (Whenever You want) Link
15. ICICI netBanking and iMobile App - CIBIL (Free only For Wealth Management Customers) (Once a Month) [Currently Discontinued]
16. Indialends - CIBIL (Once a month) Link
17. RBL - CIBIL Score (Once a Quarter/3months) Registration Link , Link for Returning Customers [Currently Discontinued]
18. Yes Bank - CIBIL Score (Once a Month) Registration Link , Link for Returning Customers [Currently Discontinued]
19. CreditMantri - Equifax (Once a Month) Link
20. Axis Bank - CIBIL (Once a Month) Link for Registration , Link for Returning Customer
21. LazyPay - CIBIL (Once a Month) Link [Currently Discontinued]
22. Bank Karo - CRIF (Once a month) Link
24. Tata Neu - Experian (Tried only once) Under NeuPass Tab , press on "My Credit" .
25. INDMoney App - Experian (Once a Month)
26. BharatPe - Experian (Once a month)
27. KhataBook - Experian (Once a month)
28. MyMoneyKarma - Equifax (Once a Month) - Link
29. Experian Business Account on Whatsapp - Experian (Whenever needed) - Link
30. Airtel Thanks App - CIBIL (Once a Month & only for airtel customers)
31. GPay App - CIBIL (Once a Month)
32. Poonawalla Fincorp - CIBIL (Whenever You want) Link [Be ready for Spam calls]
33. Fit.Credit App - CRIF (Once in 45 Days)
34. Fi Money App - Experian (Once a Month & only for Fi Account Holders)
35. Moneycontrol - CRIF (Once a Month) Link
36. Another bank or Fintech apps ? Anymore platforms ? Let us know in this thread and I will keep updating this post .

1) Does checking your score very often on Paisa Bazaar adversely affect the score?
2) is it okay to keep the utilisation limit of any particular card below 30% just before the bill is generated or we need to do it on a ongoing basis even before the bill is generated?

 

[senasenthil]

1) Does checking your score very often on Paisa Bazaar adversely affect the score?
2) is it okay to keep the utilisation limit of any particular card below 30% just before the bill is generated or we need to do it on a ongoing basis even before the bill is generated?

1. No
2. Before bill generation is fine

 

[kowsikbabu]

Is CIBIL report still being refreshed every 30 days in Airtel Thanks app?

Been more than 35 days and it's not getting refreshed, did I miss something?

 

[Fintellect]

Is CIBIL report still being refreshed every 30 days in Airtel Thanks app?

Been more than 35 days and it's not getting refreshed, did I miss something?

Mine was updated on 14th December 2023 and it didn't refreshed yet. Don't know it will refresh automatically or I've to raise this.

 

[drsel]

Mine was updated on 14th December 2023 and it didn't refreshed yet. Don't know it will refresh automatically or I've to raise this.

sir check on paisabazaar you get free credit score from four different rating agencies

 

[kowsikbabu]

sir check on paisabazaar you get free credit score from four different rating agencies

Paisabazaar sell your phone number to loan/cc agencies and they keep hassling you, not worth it.

 

[WandereR]

sir check on paisabazaar you get free credit score from four different rating agencies

Easiest way to get multiple spam calls daily

 

[Chaitanya-a]

Is CIBIL report still being refreshed every 30 days in Airtel Thanks app?

Been more than 35 days and it's not getting refreshed, did I miss something?

Yeah Airtel app isn't refreshing the score since January. Looks like they've moved on to 2 months or 3 months refresh gap.

 

[D₹V]

Is CIBIL report still being refreshed every 30 days in Airtel Thanks app?

Been more than 35 days and it's not getting refreshed, did I miss something?

Same here 🤭.