Are you searching for how to check credit score for free?
I know you want to check your credit score for free. It is also very important to check your credit score frequently to improve it.
A good credit score increases the chances of approval of new credit card and loans. So you should always maintain a good credit score. I will share a blog post on how to improve credit score very soon on KeneFi, But today I will share how to check credit score for free.
What is a credit score?
Credit score is a three-digit numeric value that varies from 300 to 900 where 300 is very poor and 900 is excellent. There are few credit bureaus like CIBIL and Experian which collect your financial data, check financial behavious and calculate your credit score. Almost every financial institution check your credit score before approving a loan and credit card. Credit score is the creditworthiness of the user, means financial behaviour and risk factor etc.
There are four RBI-authorized credit information companies (Credit bureaus) in India – Experian, CIBIL (Transunion), Equifax and CRIF Highmark.
Banks and NBFCs are required to regularly share the credit history of their customers with all four credit bureaus. Credit history for an individual comprises of all credit accounts, lender names, loan, loan EMI, credit card limits, Credit card bill payment records, any default on a credit account, Personal details etc.
How To Check Credit Score For Free
Now, How to check credit score for free? You can check credit score for free on Whatsapp for free, I had also shared a blog post about it on KeneFi recently. If you visit CIBIL website and try to check your credit score they will charge you. But there are some apps & websites which offer to check credit score for free. Below I am sharing some apps & websites where you can check your credit score absolutely for free.
Also Read: How To Check Credit Score on WhatsApp
Check Credit Score on Paytm
You can check credit score for free on Paytm app and website. Paytm shows credit scores from two credit bureaus CIBIL and Equifax. To check your credit score on Paytm app follow these steps.
- Download & Open Paytm app
- Click on free credit score icon
- You can search bar too
- Enter name, PAN card etc
- You can see your credit score
Paytm will show your credit score from CIBIL and Euifax credit bureaus only. Paytm will update your credit score every month. You can see your active loan & credit card and your repayment history. Paytm also shows you overdue payment information. And you can pay your credit card bills directly on Paytm app. But you can’t download credit reports from Paytm.
Check Credit Score on Cred
Yes, you can check your credit score for free on Cred app. But you need a credit card compoulsorily to signup with Cred. Cred shows credit score from CRIF credit bureau only. Cred app is famous for credit card bill payment, loan and cred store etc. You can earn rewards on credit card bill payment on Cred app.
To check credit score on Cred app follow these steps.
- Download & Open Cred app
- Signup or signin
- Click on more button(below the right side)
- Click on credit score
Here you can check your credit score for free. You can request for refresh every month. You can check full credit report on the Cred app absolutely for free.
Tata capital allows you to check credit score for free and you can refresh credit score on Tata capital every 30 days. Tata capital shows credit scores only from Experian.
To check your credit score on Tata capital you need to visit Tata capital website and provide some basic details like name, PAN card, email id and work profile etc.
Onescore app is a product of FPL technologies which provide Onecard credit card. You can check your credit score on Onescore app absolutely for free. You can check full credit report, account age, profile, last enquiries, your credit limit and repayment history etc. Onescore app is powered by CIBIL and Experian credit bureaus so you can check only CIBIL & Experian on the Onescore app.
Onescore app also shows insights of your credit score, your loans etc. Onescore app refresh and update your credit score every month.
To check your credit score on Onescore app you need to download the app and signup.
Bajaj finserv allows you to check your credit report for free. You can check your credit score for free on Bajaj finserv website. But Bajaj finserv shows credit score only from CIBIL credit bureaus.
To check your credit score on Bajaj finserv visit Bajaj finserv official website and provide basic detailss like name, mobile number, PAN card and work profile etc. Your credit score will be refreshed every 30 days.
Paisabazaar allows you to check credit score for free. Paisabazaar shows credit report from all four credit bureaus – Equifax, CIBIL, Highmark and Experian. Paisabazaar also provides you full credit report for free. You will get a full credit report of all credit bureaus at Paisabazaar.
But Paisabazaar sometimes irritate you about fake pre-approved loan & credit card offers. Paisabazaar always tries to upsell products like credit card and credit plus etc.
And if you want to check your credit report from all 4 credit bureaus then you can use Paisabazaar. To check your credit score on Paisabazaar, first, you need to download app or visit website, Then signup and you can check your credit score for free.
Earlier I published a blog post on KeneFi about how to check credit scores on WhatsApp for free. You can read that blog post for a complete guide. Only Experian India is offering a facility to check credit scores on WhatsApp. You can check only Experian credit scores on WhatsApp. To check your credit score on WhatsApp for free follow these steps.
- Save this number 9920035444
- Send “Hi”
- Enter basic details
- You will receive your credit score on message
You can also request a full credit report which will be delivered to your mail-id very quickly.
Is it okay to check credit scores frquently?
Yes, It is totally okay to check yourcredit score frquently and it does not affect your credit score. It is also needed to check your credit score frequently so you can improve it.
Can I check my credit score for free?
Yes, you can check your credit score for free on some platforms like Paytm, Cred and Onescore app etc.
How many credit bureaus are there in India?
There are four RBI-authorized credit bureaus in India – Experian, CRIF Highmark, CIBIL and Equifax. Financial institutions like banks and NBFCs check your creditworthiness from these credit bureaus before providing any credit card or loan.
In this blog post, I have tried my best to help you to check your credit score for free. Never check credit score on all non-standard sites unless they will irritate you by call and SMS asking you for taking credit cards & loan. So think before sharing your details on any platform just to check your credit score for free.
Thank you guys for reading this blog post completely, I hope this was helpful for you to check credit score for free. KIndly share it with others on your social media.
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