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How to Get Free CIBIL Score and Report?

CIBIL is one of the four credit bureaus in India which provides a credit score known as 'CIBIL Score'. Checking a score is very important as lenders check the CIBIL Score before making any decision on an application for a loan or credit card. As directed by the RBI, CIBIL will provide you one CIBIL Score and Report without any charge once a year i.e. one CIBIL Score and CIBIL Report will be free of cost every year.

CIBIL Score is a 3-digit number indicating your credit history. CIBIL Score ranges from 300 (lowest) to 900 (highest). This score indicates how creditworthy a person is and how likely that person may default on a loan or credit card bill repayment.

Want to know more about What is CIBIL Score?

How to Get Free CIBIL Score and Report?

If you follow step by step process outlined below, you wil get free cibil score report online:

  1. It is necessary to have a member login credentials to access myCIBIL
  2. If you are not a registered member to myCIBIL, click here to sign up for the same & complete 3-steps process to create your login
  3. If you are already a member, login to myCIBIL with your username and password
  4. Click here to login
  5. Go to 'My Account' tab on the top right of the screen
  6. You need to fill up free cibil score and report request form
  7. Click on the 'Get your Free Report' link on the page
  8. If you do not find 'Get your Free Report' link on the 'My Account' page, it shows that you have already applied for a free CIBIL Score and Report for current year.

Features of Free CIBIL Score and Report

In a survey, it has been found that only 4% of the respondents had reviewed their credit score in last one year in India. It should be understood that usage of your CIBIL score has got a lot of importance.

  • You will get your latest CIBIL Score and other details.
  • You can monitor your credit history.
  • You will be able to access to personalized loan and credit card offers based on your CIBIL Score.
  • You will be able to improve you credit score, if it is not upto the mark and requires improvement.
  • You can raise disputes online in case of any discrepancies or inaccuracies found on your CIBIL Report.

How to Obtain More than One CIBIL Score and Report?

After getting your Free CIBIL Score and Report once in a particular year, if you still want to get latest CIBIL Score and Report for more in order to monitor your credit history, you can do so easily by paying some cost.

For this purpose, you need to purchase one of the unlimited access plans offered by CIBIL. These plan are as follows:

  1. 1 Month Plan for Rs.550/-
  2. 6 Months Plan for Rs.800/-
  3. 1 Year plan for Rs. 1200/-

For purchase of the plan & get unlimited access to your CIBIL Score and Reports, you have to click here.

How to Initiate Dispute Online with CIBIL?

A dispute can be initiated for any inaccuracy appearing in your CIBIL report. You need to identify the details which may have been incorrectly reported or not updated by your banks/ lender. Then you can initiate a dispute for your report through the online dispute form.

You can raise a dispute online with CIBIL for any of the inaccuracies appearing in your CIBIL report, for example,

  • To address an inaccuracy
  • Regarding account ownership
  • Duplication of information appearing in your credit report

CIBIL does not charge any amount for resolving any type or any number of disputes. This service is free of cost for all of its customers. To raise a dispute if you find inaccuracies in your Free CIBIL Score and Report, you need to follow below mentioned steps.

  • If you have an account with CIBIL, login to your CIBIL Dashboard with your username and password.
  • refresh your CIBIL Score & Report.
  • Fill in the online dispute request form. You can raise multiple dispute requests in single form at a time. Bank account information will be required for dispute to be raised.
  • wait for at least 30 days for the lender's response.
  • CIBIL will make necessary follow up with the reporting lenders and help in giving a resolution of the disputed data.

Alternatively, you can raise a dispute by writing to the following address.

TransUnion CIBIL Limited
One World Center, Tower 2, 19th Floor,
Senapati Bapat Marg, Elphinstone Road, Mumbai, PIN 400013

 

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