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Check Personal Credit Score | Free Credit Report in India

Get your free Credit Report from CRIF High Mark. Know your personal credit score before you apply for credit to save your time and money!

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Check Personal Credit Score | Free Credit Report in India

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  1. What is Credit Information Companies(CIC) ACredit InformationCompany(CIC)isan organizationwhich collectsandanalysesfinancial data ofindividuals andcompanies(loans,credit cards and otherrelateddata) andgeneratesits products and serviceson thebasisofthisdata. This data isprovided toCICsbytheirmemberbanksand other financialinstitutions.

  2. Howmanycreditinformationcompaniesarethere in India? • Thereare4creditinformationcompaniesinIndiaincluding CRIFHigh Mark. • CRIFHighMarkisIndia'sfirstfull-servicecreditinformation bureauwhichcomprehensivelycoverscreditinformationfor allborrowersegments–MSMEandCommercialborrowers, RetailconsumersandMicrofinance borrowers–across the vastexpanses(whetherurbanorruralareas)ofourcountry. • CRIFHighmarkisoneof thefourRBIauthorizedcredit bureausinIndia which provide personalcreditscoreand businesscreditscore.Youcandownloadyourcreditreport andfindoutyourcreditscore.Bylaw,youareentitledto afreecreditreportfromall thefourcreditinformation companiesat leastoncea year.

  3. Whatisa CRIF creditinformationreport(CIR)? Acreditreportrepresentsacomprehensivecreditprofileofaborrower.This includes, forexample,personalinformation(e.g.borrowersname,ID number, date ofbirth etc.)andacredit summary(e.g.creditaccountsheldby borrower,whetheraccountsarecurrent/pastdue,andarecord ofrecent creditenquiriesmadeabouttheborrower).

  4. WhatisaCRIFCreditScore? It isathree-digitnumberwhichgivesabankora lenderasenseofyourcreditworthinessi.e.whether youhave beenrepaying yourduesregularlyornot. Ifthecreditscoreisgood,thenthe lender understands that you have used loans or credit cards in the past and have repaid all the dues properly and regularly. This makes lender comfortable to approve yourcurrentapplicationfor aloanor creditcard. CRIFcredit scoregenerallyrangesbetween300–900. 300isthelowestscore indicatingpoorcredit score and 900 isthe highestscorepossible.Ascoreabove 700isgenerallyconsidered good.

  5. Typesof CreditScore 300400 500 750

  6. To monitor your growth,performa regularcreditscorecheck.Youcangetyour onlinecreditscorehere https://cir.crifhighmark.com FollowCRIFIndiaon:

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