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A Step-by-Step Guide on How to Check Your CIBIL Score Online

Summary: Learn how to check your CIBIL score online in just few minutes. Follow these 7 simple steps to get your CIBIL / Credit score online for free with minimal hassle!

31 Aug 2021 by Metra Trust
How to Check Cibil Score
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How to check CIBIL Score for free and understand how to get your CIBIL report with these simple steps


Whether you are applying for a loan or a credit card, your CIBIL score plays a major role in your application and approval process. Having a good CIBIL score is essential. But what exactly is a CIBIL score and how can you find out your CIBIL score for free? Here’s more information:

What is a CIBIL score?


The Credit Information Bureau India Ltd. (CIBIL) is authorised by the RBI to generate a detailed credit record of an individual. A CIBIL score or a CIBIL report indicates your credit information and creditworthiness with a three-digit number, on a scale of 300-900. The CIBIL score calculation is a process that generates a score which is the numerical indicator of your credit history. It's calculated using your loan and credit repayment history, signifying your overall financial and credit health. Banks and non-banking financial companies (NBFCs) refer to this CIBIL score when assessing your application for a loan or a credit card.

The closer you are to a score of 900, the more confidence any institution will have in you, leading to greater chances of your credit card or a loan application being approved. At Metra Trust, with a good credit score you can get maximum credit limit, minimum interest rates and apply for credit card or get a good loan offer.

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How to check your CIBIL score?


To get your free CIBIL report and CIBIL score, follow these steps:

  1. Click here to generate your free CIBIL report: https://www.cibil.com/freecibilscore
  2. On the webpage click on the tab “Get your Free CIBIL Score”
  3. Enter the required information as requested on the next page and click ‘Accept & Continue.’
  4. Enter the OTP you receive and click ‘Continue.’
  5. This will complete your enrolment on the CIBIL website. After this, click on ‘Go to Dashboard.’
  6. Once you land on the homepage, click on ‘Member Login’ to log into the account you just made.
  7. After a successful login, the site will display your CIBIL score.

Always pay your dues on time. Whether it is paying credit card bills or repayment of loans, ensure timely payments to get a good record in your CIBIL report.


Tips for maintaining a good CIBIL score


To maintain a good CIBIL score, remember these three things:

  1. Always pay your dues on time. Whether it is paying credit card bills or repayment of loans, ensure timely payments to get a good record in your CIBIL report.
  2. If you keep paying only  miminum dues every month and avoid paying in full, your CIBIL score will be affected.
  3. Do not depend on just one form of debt. To build a good CIBIL score, it is also important that you borrow to the extent of your actual financial requirement from any financial institution and that you repay your dues on time as per the repayment schedule.

Keeping track of your CIBIL score and paying all the dues on time will help you maintain a great CIBIL report, which will, in turn, help you get the best deals from banks.

FAQs

How often should I check my CIBIL score?

It's recommended to check your CIBIL score at least once every three months to stay informed about your credit status.

What information do I need to provide to check my CIBIL score?

You typically need to provide your personal details such as name, date of birth, PAN number, and contact information.

 

Disclaimer

The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject Metra Trust or its affiliates to any licensing or registration requirements. Metra Trust shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.

The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.metratrust.com for latest updates.

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