How to Check Your Credit Score For Free Online
How to Check Your Credit Score Online in India
Applying for a home loan? Wondering if your home loan request will be approved? You can now check your credit score online before applying for a home loan. A Credit Score or a Credit Information report provides your detailed credit history. It is a report of your credit worthiness. Depending on your history, the Credit Information Bureau (India) Limited (CIBIL ) rates you between the score of 300 to 900. So, whether you are eligible or not for a home loan or a new credit card, will be determined by the credit score. The higher your score - the better chances you have for your loan to be approved. Banks can refuse your loan request in case of a low credit score. Here’s how you can check your credit score in India.
The first step is to fill out an online form.Give in the personal details like name, date of birth and contact details.
Next, after filling up the form, you will require to make a payment of Rs.470 for purchasing your credit score. The payment can be done via net banking, debit or credit cards.
The third step requires authentication.You will come across five system-generated questions which you need to answer. These are objective questions supported with options, answers of which are best known to you. To prove your authenticity, you will have to answer a minimum three questions correctly.
Once the authentication is successful, you will be given access to your credit score right away.It will be mailed to you separately.
In case the authentication fails, you will have to go through the know-your-client procedure.Fill out the identification form, submit the proof of Identity and address proof, so that the credit score is delivered to you through express delivery.
Once you find out your credit score, you can easily apply for a loan or a credit card.
How I am check my meet marks
- Pay your bills on time for a good credit rating history
- If you find any error in the credit report, which led to rejection of your personal loan request, then you need to report it to CIBIL.
- If possible, keep your balances in proportion or lower to your credit limit to avoid a poor credit history.
- If you do not meet the terms of your credit agreement, this will reported on your credit report.
Video: How to Check CIBIL Score for Free - Online (Hindi)
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