You can also check your credit score here:

1. Choose a Credit Information Company (CIC): Select a credit bureau from the authorized ones in India. Some of the major credit bureaus in India are CIBIL (Credit Information Bureau (India) Limited), CRIF High Mark , Equifax, and Experian.
2. Visit the Credit Bureau’s Website: Go to the official website of the chosen credit bureau. Each bureau has its own website where you can access and check your credit report and score.
3. Register/Login: If you are a first-time user, you will need to register on the credit bureau’s website. If you are a returning user, you can log in using your credentials.
4. Provide Information: You will be required to provide personal information such as your name, date of birth, PAN (Permanent Account Number), contact details, and sometimes additional details for verification.
5. Authenticate Your Identity: The credit bureau may require you to authenticate your identity through a few security questions or by providing additional documentation.
6. Request Your Credit Report: Once authenticated, you can request your credit report and credit score. Some credit bureaus may provide a free credit report once a year, and others may charge a nominal fee.
7. Review Your Credit Report: After receiving your credit report and credit score, carefully review the information. Check for any discrepancies or errors that might affect your credit score.
8. Understand Your Credit Score: Credit scores typically range between from 300 to 900. A higher score indicates better creditworthiness. Understand the factors affecting your credit score, such as credit utilization, payment history, length of credit history, types of credit accounts, and new credit.
9. Take Action if Needed: If you find any errors in your credit report, contact the credit bureau to rectify them. It’s essential to ensure that your credit report reflects accurate information.

Remember that checking your own credit score does not impact your credit rating negatively, so you can check it regularly to monitor your financial health. Additionally, you may also receive your credit score through certain financial institutions or credit card companies that provide this information to their customers.

What is Credit Score?

A credit score is three numerical number that rate your creditworthiness. Credit Score for an individual is a between 300 & 900 calculated by a Credit Bureau using the credit history of that individual.

1. Payment History: Timely payments on credit accounts positively impact the credit score, while late payments, defaults, or bankruptcies can have a negative effect.
2. Credit Utilization: This is the ratio of the amount of credit being used to the total credit available. Lower credit utilization is generally seen as positive.
3. Length of Credit History: The length of time an individual has had credit accounts can also affect the credit score. A longer credit history can be beneficial.
4. Types of Credit: Having a mix of different types of credit, such as credit cards, installment loans, and mortgages, can positively impact the score.
5. New Credit: Opening several new credit accounts in a short period can be viewed negatively by lenders.

Credit scores typically between 300 to 850, with higher scores indicating better creditworthiness and the lower ones signifying comparatively low credit worth. Different credit reporting agencies may use slightly different scoring models, but they generally consider similar factors. A higher credit score can lead to better loan terms, lower interest rates, and increased likelihood of being approved for credit. It’s important for individuals to monitor their credit reports regularly and take steps to maintain or improve their credit scores.