How to Check CIBIL Score Online?

Last Updated : Jan. 2, 2025, 3:37 p.m.

Before you apply for loans or credit cards, it is important to check your CIBIL score. A low CIBIL score will make it difficult for you to get credit approval. Hence it is important for you to take steps to improve it before you apply for credit. Also checking the CIBIL score and report frequently will help you ascertain your financial position. You can determine due to which transactions your CIBIL score is on the low and rectify them. Sometimes, there will be errors on your report which will pull down your score. You can then raise a dispute with CIBIL and get them cleared. This will help you to repair your score instantly. Let us now read on to find out how to check your CIBIL score online.

How to Check CIBIL Score Online?

On the Wishfin Website

Here are some simple steps that are to be followed to check the CIBIL score for free.

Step 1: Visit ‘CIBIL Score’ page at Wishfin.com

Step 2: Provide your full name as mentioned on the PAN card

Step 3: Enter your Date of Birth

Step 4: Choose the gender you belong to

Step 5: Mention your PAN card number

Step 6: Enter your contact address

Step 7: Provide the email ID on which you want to get the credit report

Step 8: Enter your mobile number.

Step 9: Submit the form.

On the official website of CIBIL

Step 1: Go to the official portal of CIBIL.

Step 2: Create a new account or log in to your existing account.

Step 3: Fill the form with details such as name, email ID, date of birth, etc. and submit.

Step 4: After you verify, your free annual credit report will be sent to your registered email ID.

Why should you check the CIBIL Score on Wishfin?

Wishfin, the first official partner of CIBIL, provides your credit score free of cost. It doesn't matter how many times you check your CIBIL, it is a free service and does not affect your score as well. However, to check the CIBIL score on the official website of CIBIL, you have to pay INR 550 or more to check it more than once.

How to Maintain a Good CIBIL Score?

Here are a few pointers to maintain a good CIBIL score.

• Paying the Loan EMI or Credit Card Bill on Time

• Utilizing the credit limit of credit cards with discretion

• Have a suitable credit mix – more secured debts than unsecured ones

• Applying for the loan amount based on your income and repayment potential

• Applying for credit only when required and not applying for multiple credit

• Checking your CIBIL score frequently and periodically.

What if your credit score is poor?

The world does not end here. If, by any chance, you have a negative credit score, you have the option to apply for any credit facility. It’s just that you have to ensure that you make the payments on time so that it can help in improving your CIBIL score .

What are the Credit Facilities You Can Get with a Poor Credit Score?

Despite a poor credit score, you can get secured loans such as home loans , gold loans, loans against securities, etc. These loans are backed by collaterals (house property in a home loan, gold ornaments in a gold loan, shares and other financial assets in loan against securities). As a result, lenders feel confident in lending you. If you default, the lender can seize the collateral and sell it to recover the money. You can also get secured credit cards which are given against your FD as collateral.