In India, your credit score acts like your financial report card, influencing everything from loans to mobile postpaid connections. A healthy score unlocks lower interest rates, faster approvals, and better deals. On the flip side, a low score can be a real buzzkill, leading to rejections and higher costs.
Checking your score regularly is like visiting your doctor for a checkup – it’s painless and preventive! Soft inquiries during these free checks don’t hurt your score, so don’t be shy.
Understanding your credit score is crucial for your financial well-being. This article highlights reliable and free methods to monitor your credit score, empowering you to make informed decisions
There are lots of financial institutions that offer FREE credit scores but many of them are not good. If you want to avoid spam calls, loans, and credit card offers calls then you should avoid checking your credit score with such financial institutions that start spamming SMS, promotional messages, etc.
In this article, I am going to discuss some of the safest ways to check your credit score online without any spam messages, calls, or promotional offers.
Top Credit Bureaus
Before moving ahead you should know about credit bureaus so that you will not get confused about different bureaus scores.
There are the top 4 credit bureaus in the world.
| Feature | TransUnion CIBIL | Experian India | Equifax India | CRIF High Mark |
|---|---|---|---|---|
| Year founded | 2000 | 2006 | 2010 | 1997 |
| Market share | Highest | Growing | Moderate | Moderate |
| Data focus | Traditional lending data | Personal loans, credit cards | Traditional and alternative data | Traditional and alternative data |
| Features | Score simulator, dispute resolution, monitoring services | Fraud alerts, mobile app, score simulator | The mobile app, debt management tools, score simulator | Industry reports, risk assessment tools |
Think of them like different detectives for your finances, each with their report card on you. CIBIL’s OG, Experian and Equifax are rising stars, and CRIF High Mark even peeks at beyond loans. Their scores might not be identical, but all these detectives help lenders (and you!) understand your financial health. So, don’t worry about the differences, just know they’re all painting the same picture – your credit story!
Before moving ahead you must know these credit score myths:
Myths About Checking Credit Scores Regularly
- Myth #1: Checking it hurts your score? False! Think of it like a doctor’s visit – painless and keeps you healthy. Only loan applications leave big marks, not regular checkups.
- Myth #2: Only check before big loans. Nope! It’s like spotting termites early – fix them before they cause big damage. Catch errors and fraud before they wreak havoc!
- Myth #3: Free checks aren’t good? Wrong! Services like CIBIL offer reliable free reports. Think yummy samosas but for your finances!
- Myth #4: Low score = bad person? Not true! Medical bills or limited credit can pull it down. It’s not a judgment, just a number you can improve.
- Myth #5: Pay someone to fix it. Not always! You can do it yourself! Pay bills on time, use less credit, and fix errors – all free ways to boost your score.
Safest Ways To Check Your Credit Score Online To Avoid Spams
Checking Credit Score through Credit Bureaus Official site
One of the safest ways to check your credit score is through credit bureaus’ official site/app but keep in mind that every credit bureau only offers a single free check in a year through their official site.
CIBIL Score
To check your free CIBIL score go to the official site of CIBIL and register yourself by entering your basic details check your score for free.
CIBIL Official Site: https://www.cibil.com/freecibilscore
CRIF Score
To check your free CRIF score go to the official site of CRIF and register yourself by entering your basic details check your score for free.
CRIF Official Site: https://cir.crifhighmark.com/free-credit-report/freeflow
Experian Score
To check your free Experian score go to the official site of Experian and register yourself by entering your basic details check your score for free.
Experian India Official Site: https://consumer.experian.in/
Equifax Score
To check your free Equifax score go to the official site of Equifax and register yourself by entering your basic details check your score for free.
Equifax India Official Site: https://www.equifax.co.in/
How To Check Credit Score through OneScore App
OneScore is one of the safest apps to check your credit score. Onescore promises that they will never spam you or call you for any promotional offers without your permission. Onescore offers both CIBIL and Experian scores. You can check your CIBIL and Experian scores and reports every month totally free.
To check your credit score via the OneScore app simply install it via Playstore or Apple store and register on it by filling in your basic details such as mobile number, email ID, PAN number, and address to verify your details with bureaus.
How To Check Credit Score through PaisaBazaar
PaisaBazaar also offers one of the easiest ways to check your credit score. If you want to check your Credit bureau’s scores all at once then you can check it all through PaisaBazaar. PaisaBazaar offers all credit bureaus scores like Experian, CIBIL, CRIF, and Equifax. You can check your CIBIL, Experian, Equifax, and CRIF scores and reports every month totally free.
To check your credit score via PaisaBazaar simply install the app via PlayStore or Apple store and register on it by filling in your basic details such as mobile number, email ID, your PAN number, and address to verify your details with bureaus.
How To Check Credit Score through MoneyView
Moneyview is an Instant personal loan app and it also offers a very smooth way to check your credit score instantly within a few clicks. It only offers CIBIL score so you can check only your CIBIL score every month for free.
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How To Check Credit Score through AirtelThanks App
AirtelThanks App also offers a free CIBIl score every month, you can easily check your credit score via the Airtel Thanks app.
How To Check Credit Score through the Paytm App
Paytm App is also one of the easiest and safest ways to check your credit reports. Paytm offers CIBIL and Experian Reports. You can check your reports on the Paytm app every 90 days. Also, keep in mind they might offer you personal loans and credit card offers via in-app notifications and emails based on your credit score.
These are some of the top safest ways to check your credit score and reports for free every month but as I earlier mentioned other many financial institutions offer free check scores check but as well all know that “If You’re Not Paying For It, You Become The Product” that same if you check your score using their platforms then they might start calling you or emailing you with loans and credit cards offers. That’s why always avoid checking scores from such a platform to avoid spam.
