How to check CIBIL Score Online - Step by Step Guide
CIBIL is present
in India since last fifteen years, still many people have misperceptions and
wonder what is a CIBIL score. CIBIL is Credit Information Bureau (India) Ltd or
the company that is responsible for collecting, calculating and maintaining the
payment and credit records of commercial entities, as well as individuals.
There are many factors relating to the approval of a loan that one does apply
for, in a bank or some other financial institutions, in which CIBIL score is
the most important factor amongst them that will determine whether you are
eligible for the loan or not.
Go to CIBIL Website : https://www.cibil.com/online/credit-score-check.do
HOW TO GET YOUR CIBIL CREDIT SCORE?
Complete Form Below
Payment - 500/-Via Net Banking / Debit Credit / Cash Card
AuthenticationAnswer 3-5 questions about your Loans & Credit Cards to proceed
If authentication is Not successfulFollow the instructions to complete the process and to receive your credit score and CIR by express delivery
If authentication is successfulYou can instantly access your credit card score and CIR*, this will also be emailed to you separately
Personal Details: Fill the online form as shown above in CIBIL site. Enter your details like name, date of birth, address, phone number, income, identity proof and address and also loans taken by you in the past.
Payment: Once you are done filling the online form, you will be redirected to payment page. You can make a payment of Rs 470 using your credit card, prepaid card and net banking. Post payment confirmation you will be redirected to a page where you need to fill authentication details.
Authentication: 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 CIBIL.
In case you fail the authentication questions : Do not worry, you still have other options. You can 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.
If you want to know more how CIBIL Score impacts your loan, read here.
If you want to know more how CIBIL Score impacts your loan, read here.
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