Free Cibil report - All links and queries
People often ask questions where to get genuine Cibil report for free. Writing this article to help the community, post all your questions here. Listing all the ways (that I know) to get the CIBIL score/report.
The official and paid way of getting CIBIL (by TransUnion) is a paid service and below are the plans (offer runs time to time for additional discount)
Paid reports:
- CIBIL.com - Link Recommended for people who need to refresh the report everyday because looking to apply loan/cards soon and expecting an update in Cibil report can buy the subscriptions, below are the plans.
- No Spam calls (guaranteed)
- Raise dispute and check dispute status
- Save report as pdf
- Score simulator (what will happen if close/open a loan cc etc.)
Also Gives a beautiful summary of the accounts and utilization
Free Reports
1. Axis Bank (CIBIL)
• Full Report, can save as PDF,
• Refresh once in a month,
• No spam calls. Using for more than 2 years.
• Click to Register and Click here to Login
2. wishfin.com (CIBIL)
• Monthly refresh
• Account details, payment history, not good as first one (Axis) but Ok if you wish to refresh second time in the month
• Spam calls expected for loan offers and credit card offers. Using for last 2 years+
3. HDFC Bank (CIBIL)
• Everything Same as Axis one above.
• Click to Register and Click here to Login
• Login link doesn't work sometime, clear the browser cache and try again. Currently not working.
• No Spam calls, using for 3 years+
4. Bajaj Finserv (CIBIL)
• Monthly Refresh
• Register and Login Link
• Expect calls/sms from Bajafinserve for loans and Credit cards
5. Gpay App (CIBIL)
• Quick and Handy, can view score/account summary and account details. No pdf. at home page, scroll down to the end.
• Refresh monthly
• No spam calls observed until now, not sure if Google selling data to third parties as it is known for that.
6. Cred App (CRIF)
• Very popular, must have used already by most of the users on dd
• Monthly Refresh - In profile section, you'll see refresh option
• No spamming observed
7. Paisabazaar (Experian)
• Monthly Refresh
• Expect calls from paisabazaar for loans/cards
• Click to Register and login
8. Bankbazar (Experian)
• Monthly Refresh
• Too much spamming
• Click to Register
9. Experian.in (Experian)
• Paid (499 subscription for alert/identity theft feature) and Free Plan for score and report
• No spamming, as reported by dimers
10. SBI (Cibil) - Monthly Refresh. Link
Looking for loan/cards to apply - Try to check credit reports, prefer CIBIL over Experian or CRIFF as most bank reports/checks CIBIL only.
Found any more app/website to check Credit report, please comment. Will add here to help the community.
Edits:
Number 9 - contributed by @MrThanos
HDFC link - Currently not working. Thanks @IamRage
* #10 SBI link - Thanks @RootuThala
- Sort By
1. and 3. - Stopped working
For Axis, direct enrolling doesn't work.
https myscore cibil com/CreditView/enrollShort.page?enterprise=AXIS&offer=AXIS01
It has to be thru this:
https www axisbank com/retail/loans
It then redirects to the first link.
For Experian(No 7&8) : No need to register at any third party websites like paisabazar or bankbazar. Directly register at Experian website. It is completely free. And it is spam free too. You can access Experian score through whatsapp too.
You can add Freecharge to this list
vu
I have two cibil scores.
One bank has erroneously labelled me as 'Female' in their records. I have a salary a/c and CCs with that bank.
Cibil thinks there are two identities with my PAN number. One male and one female. Both have different Cibil scores.
Cibil helpline is of no use.
What is the solution? 😄
Solution: Check which bank has reported you as female, you can see in the Cibil report, if dont find raise a dispute and Cibil will show who has reported and contact that bank to get it corrected.
What about Onescore ?
Onescore Android App
Free Cibil & Experian Report
Monthly Refresh available
U can check all the details like activate & close accounts , monthly reports
& Yeh Inquiry etc
Handly
Android Application Available
If you dont have Onecard
It shows you when you are eligible for it
Friends...
Are all these methods come under SOFT QUERIES ?
Please remember, only soft queries does not hurt your cibil scores...
Hard queries will reduce your Score
Please correct me if i am wrong ...🙏🏻
Yes all these are soft queries afaik
Paytm isn't good enough?...it doesn't get refreshed regularly? Afaik it gets refreshed after 90 days🥲...is it the reason it's not included in the list?
Paytm shows my score as 757
Gpay says it's 709🥲
Paytm last updated on April 15...gpay says next update in 30 days but don't know when they updated
For CIBIL : gpay is the best as it gives options to see the how the score is affected for cases like card closure, new inquiries etc.
Friends,
Bank Of Baroda (BOB) app also has FFREE CREDIT SCORE feature and shows your Cibil score.
I have checked them too.
Any BOB users here ? WHo has checked it through their app ?
Is this method a SOFT QEUERY too ?
The best one for cibil check is iifl - https://www.iifl.com/credit...re
You can check it whenever you want.
Axis ended? Getting - "Unfortunately, we cannot process your order at this time. We apologize for the inconvenience."
First time it was Axis, then HDFC also started resulting to "Unfortunately, we cannot process your order at this time. We apologize for the inconvenience."
Are these for just 1 year?
You forgot "Onescore" They are also spam free and allow monthly refreshes for Cibil and Experian.But they don't provide reports.