Check CIBIL Score Free - Credit Score Online

Credit Score Range		Category
750 - 900		Excellent (Green):Easy approval with the best terms and lowest interest rates.
650 - 749		Good (Yellow):Most lenders will approve with reasonable terms.
550 - 649		Fair (Orange):Some lenders may approve, but with higher interest rates.
300 - 549		Poor (Red):High risk, may face difficulty in getting loans.

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Let's understand what is a credit score

800-900

Excellent

An excellent credit score, you demonstrate responsible financial behaviour. This makes you eligible for the best loan offers and interest rates available.

Click on the meter range to know more

A credit score is an important financial indicator that reflects your creditworthiness. It is a three-digit number ranging between 300 and 900 that helps lenders decide whether to approve loans or credit cards. It is based on various factors like your payment history, credit utilization, types of credit accounts, and recent credit inquiries. A higher credit score indicates responsible financial behavior, making it easier for you to qualify for loans, credit cards, and favorable interest rates.

Regularly checking the credit score helps in maintaining a healthy credit profile.

The advantages of a good credit score

A good credit score indicates greater creditworthiness, making it more likely for lenders to approve your loan applications.

With a good credit score, you may qualify for higher credit card limits, providing more financial flexibility for your purchases and expenses.

Lenders often offer lower interest rates to borrowers with good credit scores, resulting in lower overall borrowing costs.

Good credit scores often lead to faster approval processes for loans and credit cards, allowing you to access funds promptly when needed.

With a good credit score, you may receive pre-approved loan offers from lenders, simplifying the borrowing process and providing you with additional financing options.

Factors affecting your credit score

Credit Utilization

This is the percentage of available credit that you're currently using. Keeping your credit utilization low can positively impact your credit score.

Payment History

This reflects your track record of making timely payments on credit accounts, including loans and credit cards. Consistent, on-time payments can boost your credit score.

Credit History

This is the length of time you've held credit accounts. A longer credit history reflects greater stability and can contribute to a higher credit score.

Total Accounts

The number of credit accounts you have open, including credit cards, loans, and other lines of credit, impacts your credit score.

Credit Enquiries

This shows the number of times your credit report is accessed by lenders when you apply for new credit. Multiple inquiries within a short period may indicate a higher credit risk and could lower your credit score temporarily.

High Impact

Here are some tips to improve your credit score

Make timely payments for all bills and debts.

Keep credit card balances low compared to limits.

Check and correct credit report regularly for errors.

Maintain a diverse mix of credit (e.g., loans, credit cards).

Limit the number of hard inquiries on your credit report.

Avoid opening too many new credit accounts at once.

Create a budget to manage your finances better.

Seek professional advice if needed.

These are the credit bureaus in India

TransUnion CIBIL Limited

CIBIL is India’s first Credit Information Company (CIC). CIBIL bureau collates and maintains records of every individual’s repayment habits and credit behaviour for loans and credit cards. It then creates credit scores and Credit Information Reports (CIR). The CIBIL report and online CIBIL score help lenders make lending decisions.

Experian Credit Information Company of India Private Limited

Experian is a Dublin-based credit bureau using different methods to create a credit report. This credit score check online reveals an individual’s loan and credit history collated from India’s member banks and other financial establishments.

Equifax Credit Information Services Private Limited (ECIS)

One of the oldest credit bureaus in the US, Equifax offers credit scores and reports for individuals and businesses. It ties up with India’s financial institutions to create credit scores and credit reports.

CRIF High Mark

This credit bureau specialises in scoring, analytics, and credit management solutions. It makes credit reports with information from banks, NBFCs, Income Tax Department, etc. The online CIBIL score and CIBIL report from CRIF High Mark is available at a fee.

These are the credit bureaus in India

What are the steps to get your free credit score from Future Generali?

Follow these steps to get your free credit score from Future Generali: • Visit the official website and navigate to the credit score section. • Provide details like your name, contact number, financial information, etc. • Submit the information to get your free credit score instantly.

Why should I check my credit score?

Checking your credit score helps you understand your creditworthiness, manage your financial health, and identify any discrepancies or fraud. It also allows you to take corrective actions to improve your score.

Can anyone access or ask to check my credit score?

No, only authorized individuals or entities with a genuine purpose, such as lenders and creditors, are allowed to access your credit score.

What are the benefits of a good credit score?

A good credit score offers numerous benefits, such as: • Increased likelihood of loan and credit card approval • Higher credit card limits • Lower loan interest rates • Quick approvals for loans and credit cards • Access to pre-approved loans

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Understanding your credit score

Credit Score Range		Category
750 - 900		Excellent (Green):Easy approval with the best terms and lowest interest rates.
650 - 749		Good (Yellow):Most lenders will approve with reasonable terms.
550 - 649		Fair (Orange):Some lenders may approve, but with higher interest rates.
300 - 549		Poor (Red):High risk, may face difficulty in getting loans.

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Check your credit score for free

Tell us about yourself

Let's understand what is a credit score

The advantages of a good credit score

Factors affecting your credit score

Here are some tips to improve your credit score

These are the credit bureaus in India

TransUnion CIBIL Limited

Experian Credit Information Company of India Private Limited

Equifax Credit Information Services Private Limited (ECIS)

CRIF High Mark

These are the credit bureaus in India

Hi please verify your mobile number! Hi please verify your mobile number!

Understanding your credit score

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Go completely paperless with our FG Insure App

Check your credit score for free

Tell us about yourself

Let's understand what is a credit score

The advantages of a good credit score

Factors affecting your credit score

Here are some tips to improve your credit score

These are the credit bureaus in India

TransUnion CIBIL Limited

Experian Credit Information Company of India Private Limited

Equifax Credit Information Services Private Limited (ECIS)

CRIF High Mark

These are the credit bureaus in India

Hi please verify your mobile number! Hi please verify your mobile number!

Edit your mobile number

Understanding your credit score

Recommended products for you

Health Absolute

Health Vital

Health PowHer

Go completely paperless with our FG Insure App