Check Your CIBIL Score

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First Name (As per PAN Card

)Middle Name

Last Name

Date of Birth

Email IDMobile No.

Submit

What is a CIBIL Score

A Cibil Score is a three-digit number that denotes your credit report. The Cibil score starts from 300 to 900 and if you are closer to a Cibil score of 900 then it is considered a good score. On the other hand, if your score is closer to 300 then it is a bad score and there are fewer chances to get any debt. Therefore it is necessary to keep an eye on your Cibil Score by checking it regularly.

Difference Between a Credit Score and a CIBIL Score

CIBIL score is a Credit Score generated by a credit rating agency called TransUnion. TransUnion CIBIL is the gold standard of Credit Scores and the only one that counts while seeking finance. While there are several Credit Bureaus that issue credit scores, CIBIL is the one that holds most weight with banks. Now, a Credit Score is like your financial report card with a numerical representation of your credit health. A CIBIL score can range from 300 to 900 in India and CIBIL score above 750 is considered good for the approval of loans or credit cards. While evaluating any sort of credit application, the lender checks your credit score and your credit history before going ahead with the application.

Therefore you can not point out a better score because every agency has its parameters to calculate the credit score and the Cibil TransUnion is one of them. Usually a Cibil Score of 750 and above is enough to get quick approval for a loan or debt.

Credit Score – Check Free CIBIL Score Online

Wishfin is the best way to check your CIBIL Score for Free, as 6.5 million satisfied users have already been discovered! On Wishfin, you can check your CIBIL score every month for free without paying any charges for calculation. It is important to make a Cibil Check because banks look at your CIBIL Score before giving you any type of loan. Wishfin enables you to monitor your Credit Health and Credit History over time and take steps to improve it. You can also download the detailed CIBIL Report that allows you to check your credit repayment status, on-time EMIs, loan enquiries, and much more – at zero cost. If required, Wishfin also suggests financial products such as loans, credit cards, and balance transfers that may have a positive impact on your credit history.

What is the Full Form of CIBIL?

The Term Cibil stands for “Credit Information Bureau India Limited” and it is a company that is engaged in managing and keeping credit records of different companies, firms, and individuals based on which the lenders disburses the loan. The Banks and other lending institutions submit the information to Cibil based on which this company calculates the Cibil Score.

How to Check Free CIBIL Score Online at Wishfin?

Wishfin is the official partner of TransUnion for giving authentic and accurate CIBIL Scores. Wishfin gives you the original authentic CIBIL score free because we believe that good credit health is a stepping stone to enabling good finances for our customers. Another advantage is that Wishfin is free of cost no matter how many times you check Cibil’s score online (and not just for the first time). Also, checking your Score on Wishfin does not reduce your score or negatively impact it in any way – no matter how many times you check your score with us. This is why 6.5 million people have already checked their CIBIL Score online for free with Wishfin.

Plus, no need to do it again. Next time you want to check your score, all you have to do is log in to Wishfin with OTP using your registered mobile number, and you’re good to go!

And with best-in-class data security and privacy protocols, ease of staying credit healthy comes with complete security and peace of mind! You also have the choice of either logging into the Wishfin website and go to the CIBIL section or downloading the Wishfin app from the Android Google Playstore or Apple iOS Appstore. Additionally, there is an option to download your detailed CIBIL report easily. On the app, you can also track your progress over time by seeing your past scores.

How to Check CIBIL Score by PAN Card and Aadhaar Card?

Your PAN number enables Credit Rating Agencies to identify your credit records accurately. Hence, your PAN number is needed to check your Cibil Score. While checking your Cibil, keep your PAN Card handy and ensure that the Name and Date of Birth you enter match those on your PAN Card. Just follow these steps to check Cibil Score by PAN Card on Wishfin:

Navigate to ‘CIBIL Score’ on the Wishfin website or use the Wishfin App
Provide PAN Card number
Enter your Name and Date of Birth as per PAN Card
Enter details such as gender, email address, residential address and mobile number
Submit to know your score

After following the above steps, you can easily have the Cibil score check free online by PAN Number.

If you are checking your Cibil Score through an Aadhar then you can use the Address present on your Aadhaar Card. Sometimes, while downloading a Cibil Report, you will need to provide your address and it should be as same as it is present on your Aadhaar Card.

How to Check Free CIBIL Score on WhatsApp?

Wishfin has been a pioneer in bringing financial services to India’s favorite communication platform – WhatsApp. For the first time in India, a user can even check their CIBIL Score using WhatsApp – no more forms! Checking CIBIL is now as easy as chatting with a friend.

All that a user has to do is give a missed call to +91-8287151151

You will receive a WhatsApp message from Wishfin

You will be asked a few questions such as

Your Full Name
Your PAN Number
Your Residential Address
Your Email Id

Just answer these questions and you will get your latest CIBIL Score in your WhatsApp chat box.

Is Wishfin an Official Partner of CIBIL?

Wishfin is first official fintech partner of TransUnion CIBIL (Credit Information Bureau of India), the company that issues the official CIBIL score Login to check the Cibil. This authorises Wishfin to present to you the score generated by TransUnion. At Wishfin, we are all about trust and transparency. So, here’s a link from CIBIL’s official website for your reference

Does checking CIBIL Score multiple times affect overall Credit Score?

The short answer is – No if you are the one checking it. But we understand why people have this apprehension. So, it is important to understand the nuance.

On one side, CIBIL checks are requested by financial organizations to ascertain an individual’s creditworthiness and on the other, by individuals to monitor their credit health. When a person applies to a bank or other lending institutions for a loan or credit, the former scenario comes into play. That is, during the evaluation process, a CIBIL inquiry is triggered by the bank in the background, which happens without the involvement of the applicant. The loan approval decision is partly made based on that score. This is called a Hard Inquiry. Now, here’s the thing: every time you apply, the banks run an involuntary Credit Check – and that MAY affect your Cibil score adversely giving rise to this commonly held fear.

However, when individuals voluntarily check their Cibil score online on Wishfin for their consumption, their CIBIL Score DOES NOT get affected. So our simple advice to users does not keep applying for loans and credit cards without accurately knowing their credit situation. Because whether you do or not, banks will keep checking your score as often as you apply, which reduces your chances for loan approval by reducing your score.

You rather check your score on your own first – for free via Wishfin, safely, without affecting your score. So if your score is low, you see it before the bank does. Say your score is lower than 700, then you can improve your score over time by optimizing your credit situation and following the score-boosting advice given by Wishfin based on your score. If you are interested, Wishfin can also show you financial products with high approval probability so that you may fulfill your immediate need and get started on the path of healthy credit. Once you are confident about your score, you can apply in a more targeted manner, increasing the chances of disbursal and reducing the risk of multiple bank-initiated credit inquiries.

What are the benefits of having a good CIBIL Score?

Credit facilities, such as credit cards or loans, are provided based on a thorough check of numerous factors. These factors include your relationship with the lender, employment status and history, age, and more. Amongst these factors, CIBIL Score is considered as one of the most important factors. Banks evaluate your credit health and capacity for repayment based on your CIBIL Score. Therefore having a good CIBIL score not only helps you get approval in the first place but also affects the quality of debt available to you. A good Cibil score makes a person eligible for better deals on loans and credit cards.

But this does not mean that not having a good Cibil score currently makes you completely ineligible for all financial products. They may opt for secured loans such as loans against property, gold loans, etc by mortgaging their assets. But the options are still limited. Some banks and NBFCs may give loans or credit cards even with a CIBIL score of 0, -1, or a sub 600 score. But these may be at exorbitant rates of interest, offering very low credit limits and stringent repayment terms. The advantage of being on the green side of the scale is undeniable. Because getting a loan is not enough, getting one on good terms which you can viably service is more important. Here are some pros of maintaining a good Cibil score and have the Cibil Score check online for free.

Increases eligibility for loans – A higher Consumer Cibil Score means lenders will be more comfortable in lending you a bigger amount or providing you with a better credit limit.
Gives access to best Credit Cards – Some of the premium Credit Cards offer great benefits in addition to deals and offers. Most of these cards have a good CIBIL Score as a prerequisite.
Lower rate of interest – People wonder why they do not get a loan at the advertised lowest rate of interest. It could be because of a subpar cibil score in addition to other factors such as income, repayment capacity. Those having a positive payment history and a high score are more likely to get a lower rate on loans.
To build and maintain a credit history – Good credit health does not stop at getting a good score just when you need a loan. What you do with that loan and how you repay it affects your future score. Remember, it’s not a sprint, but a marathon. Maintaining a good cibil score, whether you are seeking a loan or not helps you maintain overall financial discipline. Paying credit card bills, EMI’s on time, not taking an excessive number of loans, and credit cards even though you can afford it now and your score allows it, sows the conditions for a future debt trap.

Please note that a 0 or -1 score is not necessarily bad. It only means you have zero credit history and cibil score. The moment you start using a credit card or paying EMIs, your credit history will build up and so will your credit score. This will make you eligible for better options in the future.

Courtsey To : Bankbazaar