Why checking your credit report matters Your credit report is a history of your credit record and payment behaviour, and it has a significant role to play in determining your credit score. This score is used by lenders to decide whether to offer you a loan or credit card. In India, you can keep checking your report from time to time to track your financial position and catch errors or identity theft early on so that it does not impact your score.
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You also get one free report from each agency per year As per Reserve Bank of India (RBI) guidelines, all four credit bureaus—TransUnion CIBIL, Equifax, Experian, and CRIF High Mark—must give one free credit report to each consumer in each calendar year. This means that you can get four free credit reports in aggregate—one from each of the four bureaus—without an ounce of expenditure. But you need to apply for them individually on each of the four bureaus' websites.
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How to get your free report from TransUnion CIBIL In order to obtain your free report from CIBIL, go to cibil.com and click on the "Free CIBIL Score" link. You are required to register with your basic details—name, PAN, date of birth, and mobile number. Your registration will be authenticated through OTP, upon which you will be able to see your credit report. You may not be able to see the full credit score if you don't pay for it, but the report details are available free of charge.
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How to get your free Experian India report Visit experian.in and click on “Free Credit Report”. Fill out the online form with your identity and contact details, including your PAN card number. You’ll be required to verify your identity through OTP. Once verified, your credit report will be sent to your registered email address or made available for download. Experian’s interface is user-friendly and typically allows quick access to your data.
How to download your CRIF High Mark credit report Go to crifhighmark.com and click on "Free Credit Score". Enter your details such as name, date of birth, email ID, and PAN. You will also be asked to answer a couple of questions regarding your credit accounts. After being successfully authenticated, you can view and download your free credit report. CRIF's report comes in the format of credit score, payment history, and loan accounts in simple sections.
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How to get your Equifax free online report To get your Equifax report, visit equifax.co.in and click on "Free Credit Report". You will be asked to provide a form and upload scanned documents like your PAN and address proof. Equifax is the only bureau that could take a little longer to send the report—your report will be emailed to you within a couple of days. It is still a resource worth using for checking your credit details.
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Review and adjust your reports thoroughly Once you've gathered all four reports, study them thoroughly. In some cases, the data in various bureaus can vary as lenders report to only some of them. Look for errors such as incorrect loan amounts, closed accounts that were reported open, or postponed payments that were never missed. If you do find any issue, you can challenge it with the bureau so that they update it and your score is still healthy.
