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CHECK CIBIL

Prepare yourself for a promising journey ahead with your CIBIL Score & Report.

Know Your CIBIL Score

  • Get detailed analysis of your credit behaviour. Fetching your CIBIL report will not affect your credit score.
  • See what powers your credit score. Our expert tips will help you improve your score.
  • Exciting personalised loan offers based on your credit score.

Check Your Financial Health

What Is Considered A Good Credit Score?

A “good” credit score may vary slightly between lenders and credit bureaus, but generally, the following ranges can indicate creditworthiness:

  • Excellent Credit Score - Around 750 and above

    These Individuals are likely to have a high likelihood of loan approval and can access loans and credit at favorable terms, including lower interest rates.

  • Good Credit Score - In the range of 700 to 749

    This scoring range also signifies a strong credit profile, and individuals within this range are generally considered reliable borrowers by lenders.

  • Fair Credit Score - Ranges from 650 to 699

    Individuals with fair credit scores can have access to credit, but they might face slightly higher interest rates or more stringent lending conditions than those with higher scores.

  • Poor Credit Score - Below 650

    They may face challenges in obtaining credit or loans as lenders may be more cautious due to the perceived higher credit risk.

Understanding Credit Health

How Can The Credit Score Be Improved?

  • Pay your credit accounts on time.
  • Keep your credit card balances low.
  • Maintain a healthy credit utilization ratio.
  • Avoid opening too many new accounts.
  • Regularly do a CIBIL score check for errors.

What are the reasons for a low credit score?

  • History of late or missed payments
  • Defaults on loans or credit cards
  • High credit utilization
  • Frequent credit inquiries 
  • Too many open credit accounts 

Credit Score vs Credit Report

Credit Score

  • A numerical three-digit representation of creditworthiness (e.g., 300-900 in India)
  • Used to evaluate credit risk
  • Generated by specific scoring models
  • Fluctuate based on recent credit activity
  • Updated frequently

Credit Report

  • The credit or CIBIL report contains comprehensive information about credit accounts, payment history, credit inquiries, public records, etc.
  • Used to assess creditworthiness and make lending decisions
  • Compiled and maintained by credit bureaus
  • Reflects long-term credit behavior and history
  • Updated periodically by credit bureaus

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