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Getting a credit score online is a simple process. You can logon
to Credit Information Bureau of India Limited (CIBIL) website (www.cibil.com). As soon you logon
to the CIBIL website, you will find a Know Your Score tab. Click on
"Click here" button for your personalized credit score. It will
lead you to a page which will show you the step-by-step method to
get your credit score online - the url for this page is https://www.cibil.com/online/credit-score-check.do
Your CIBIL Credit Report is your financial report card with
complete credit history of a person. It gives details on loans
taken in past and credit cards held along with payment track
records. The information on your credit report results in various
variables that CIBIL use to build what we call is a CIBIL Credit
score. All banks refer to credit score of every loan applicant as
part of due diligence process. It is an important step in loan due
diligence process as it gives a fair idea of the credit-worthiness
of every individual. In very simple terms - CIBIL Score determines
the probability of a default of a customer. A high CIBIL credit
score demonstrates financial discipline and a lower likelihood of
The first step in the process of getting your personalized
credit score is to fill an online form that you can find on CIBIL
site. You will have to mention details like name, date of birth,
address, phone number, income, identity proof and address and also
loans taken by you in the past.
After you fill the online form, you will be taken to page where
you will be given the options to make payment. You can make a
payment of Rs 470 using your credit card, prepaid card and net
banking. After payment confirmation you will be taken to a page
where you will to have fill in authentication details.
To authenticate your identity you will have to answer a minimum
of three questions of the five questions asked. The questions will
be based on your credit history like credit cards held and loans
being serviced in your name. After a successful authentication your
personalised credit score will be emailed to you on the same day by
In case you fail the authentication questions do not worry, you
will have to send the hard copy of the application for CIBIL score
generated on line with the CIBIL transaction ID along with hard
copy of your ID and address proof to CIBIL. CIBIL on
verification will send you the hard copy of the CIBIL credit report
to your address mentioned indicated in the address proof.
We, at CreditVidya, believe in empowering you. Because we believe that knowledge is not only power but also gives you a sense of belonging. We believe in supporting the consumers by not being their crutch but as catalysts and enablers.
How to get your CIBIL credit score online ?
Want to improve your Cibil Score? Try our 'Score Builder'