Get Your CIBIL Score for FREE with Full Report, Every Year

By | February 7, 2017

I’ve been thinking for a long time that its so unfair that CIBIL charges Rs.550 to know your CIBIL score and report. Anyways they’re making money with lenders and financial institutions and i wonder why they charge the individuals too, at-least they should have considered to have a less price tag. Its time to regulate this.

Back in September 2016, the Reserve Bank of India (RBI) had mandated every Credit Bureau in the country to release one free full credit report (FFCR) to every individual from January 1, 2017. It is supposed to be a detailed report carrying the credit score, among other things.

Free CIBIL score

So now you can apply for it once a year between January and December from one of the three credit information company’s (CIC), i.e., Equifax, Experian and CIBIL TransUnion.

How to get CIBIL Score for Free:

  1. Goto this link
  2. Scroll down to see the link to free report below the big “Monitor Now” button
  3. Click on that, fill the form and authenticate yourself to get your FREE CIBIL score and report.
  4. It hardy takes a minute or two and i was able to check the score with details without any issue.

Its as simple as that. Glad to see RBI is taking measures for the welfare of people to this extent.

Checking your CIBIL report once a year is a must thing to do as it helps you to find whats happening with your credit scores which is quite important if you’re planning to take credit cards and loans in the future, especially credit cards for people like us 😀

My Experience with CIBIL:

I had a very bad experience with CIBIL few months back wherein they weren’t able to issue the report after payment due to some page redirection issues post payment and their email/phone support is useless that they gave no proper response. They reply to support emails after a WEEK and their phone lines are not in good condition MOST of the time.

It’s a long story and i finally ended up raising a dispute/chargeback against CIBIL to get things done. This makes me realize one of the major benefits of credit cards yet one more time – the Strong Buyer Protection. Wish a company with such a reputation delivers a better service.

P.S. Thanks to Bibhash & Nandhakumar for your comments on other article about this update on free CIBIL score availability.

So did you get your Free CIBIL report? Feel free to share your experience below 🙂

95 thoughts on “Get Your CIBIL Score for FREE with Full Report, Every Year

  1. Mahendra

    Hi Sid,

    Thanks for the info. I saw my report immediately after seeing this article. My score is above 810 :). I saw there was a discrepancy and raised dispute too.

    Once again thank you.

    Regards,
    Mahendra

    Reply
  2. Shailendra Mishra

    Hello Siddharth,

    FIrstly your blog has been really helpful for me to take advanced tips for credit card users.
    I have 3-4 credit cards and I worked (as PO) in a nationalized bank (resigned and blogging now) still I follow your blog (only) for updates in this industry.

    Free Cibil score is really cool news even for my banker friends. I guess they (Cibil) should be struggling now to sell their paid products. Because I see no difference in free Cibil and paid Cibil except added monitoring. But even the free report is available annually : )

    will get in touch soon again.
    Shailendra M

    Reply
    1. Siddharth Post author

      Great!
      Thanks for the kind words. Good to know that the articles are helpful 🙂

      Reply
  3. Abhishek

    Yes I saw that they are offering this one report for free. Got my wife’s CIBIL report for free. On looking at the report I saw that one of her longest standing accounts from HDFC Credit cards is not being shown in the report. What should we do? Shall we contact HDFC if they are actually reporting to CIBIL or not. Please guide.

    Reply
    1. Siddharth Post author

      You got to raise a dispute with CIBIL in such cases, also email HDFC in parallel about the issue.

      Reply
      1. Abhishek

        I can raise dispute with CIBIL only about things that are already there on the report. This account is not reflecting in the CIBIL report at all. In that case, how to raise a dispute? Also, whom should I contact in HDFC? Credit card customer support?

        Reply
        1. Siddharth Post author

          I’ve no experience in this, but by giving the a/c number, CIBIL might be able to track.
          Yes, start with vannila HDFC CC support,
          which then needs to be to escalated as they will anyways have no clue as to what you’re talking about 😀

          Reply
          1. Abhishek Roy

            I have done the same. contacted CIBIL as well as HDFC Credit Card Support. Let’s see what’s in for me.

  4. Aseem Kumar

    It is asking to subscribe for one of the three options and subsequently asking for payment…

    CIBIL Score and Report( 550/-)
    Bi-Annual Subscription – 2 Score Reports( 800/-)
    Quarterly Subscription – 4 Score Reports ( 1200/-)

    Reply
    1. Siddharth Post author

      Don’t click on “monitor now” find the small line below the button and read the info on each step. They just made it bit tricky 🙂

      Reply
      1. Sudipt

        That’s correct, in fact CIBIL is marketing their paid subscription very agressively! Even I couldn’t notice the small link below the Monitor Now button. TBH I was too excited to check my score before read your entire post 😛

        Reply
  5. ramkumar nagaraj

    very nice sid, my score is 810.
    it shows stale some AMEX MMT card for me, which i have already trashed.

    looks like i need to raise a dispute??

    Reply
    1. Siddharth Post author

      Yes, probably.
      If it was closed within past 3 months, you might need to wait for a while.

      Reply
  6. Prashant Gupta

    thank you. Surprisingly i have a score of more than 800, an enquiry by Yes Bank and still my application was rejected by them. Most probably they have misplaced my docs and file.

    Reply
    1. Siddharth Post author

      Possibly, you might need to check with the bank for the reason for rejection.

      Reply
      1. Abhishek Roy

        Yes mate. Our application for the Yesbank Exclusive Card was rejected too. My wife applied through “Card-On-Card” basis. She fulfilled all the criteria and had a great CIBIL Score of around 820 but still the application was rejected. We have a good relationship value with Yesbank and after this incident, I am seriously considering ending my relationship with the bank totally.

        Reply
        1. Siddharth Post author

          Were you able to find the reason why it was rejected?
          I could see many readers posting application rejection in past 1 week. I wonder whether they changed the eligibility criteria or something.

          Reply
          1. Abhishek Roy

            No. They didn’t disclose the reason at all. What they said is that this is their top of the line card and hence the application has been reviewed accordingly and thus they were not able to offer this card. If they were still looking at income criteria and all, I wonder why they even came up with the card on card application feature. Getting this card through salary channel is almost impossible in India since it puts forward an eligibility criteria of a mammoth Rs 50L/annum which is extremely rare as a salaried person in India.

          2. Siddharth Post author

            That’s sad news.
            So taking preferred card and then upgrading is the only way now i guess.

  7. Subburam

    Hi Siddharth:

    THANK YOU for this article, and for this Website. It is quite informative. I have just now obtained my free CIBIL TRANSUNION Score.

    Reply
  8. Chaitanya

    Sid,

    For members who already have registered with CIBIL and paid fees to view report earlier should use another email to register again and view report for free.

    When I used same email id, clicked on free report, it was showing the older report (which I got when I paid). Again I registered with different mail and the report got refreshed…

    Reply
  9. Jay

    Thanks Sid.

    I had already subscribed for their yearly plan. However I could view my wife’s credit score for free through your article. CIBIL had my wife’s name messed up. I don’t know how to get it corrected because as soon as I raised the dispute they closed the it asking me to contact the financial institution for the change in the name.

    Glad to know my wife’s score was 868 while she is holding just one credit card from last 5 years though she had a home loan & credit card from HDFC which was already closed. I have as many as 13 cards and 3 loans and mine is 50 points lesser than her haha.

    Reply
    1. Siddharth Post author

      868 is an AWESOME score!
      OMG, 13 cards is yet another crazy number 😀

      Reply
  10. MD shahabuddin

    Dear Sidharth ,
    Please help me my credit score is 777 ,can I get any credit card.

    MD shahabuddin

    Reply
  11. Shrey

    Hi Sid,

    If you hold an add-on card. does that feature on the CIBIL report? and if there is any late payment, does it affect the score of the primary card holder or the add-on card holder or both?

    Reply
    1. Siddharth Post author

      Its not updated on CIBIL and it affects only the primary cardholder.

      Reply
  12. SN

    If you have already registered with CIBIL earlier, no need to give different email. You can login to mycibil account and get free report from my account section. I just got mine now like this. My score now stands at 825, increased from 816 earlier.

    Also if some of your cards are not reflecting in the report, that’s because the card account may not have been linked with your PAN number. My Citibank cards were missing earlier and now they appear after updating PAN number with card accounts.

    Reply
    1. Siddharth Post author

      Thanks for sharing insightful information, will get it added to the article shortly 🙂

      Reply
  13. Dibyaroop

    Hi Siddharth,

    Everytime i write to you i feel really thankful for all the information, tips and tricks you provide here. Your site is bookmarked for me and i visit it everyday. Todays surprise was the CIBIL article. Few things i wanted to know:

    1. They are showing my cibil score as 820 and there are loads of information in the view report tab. Is there any way that information can be downloaded? When i go to history section it says FACR report availed. Is it a report or is it just the score that is free and not paid.

    2. In the account information under view report some months are marked as XXX. What does that mean?

    3. My amex card number is incomplete but cannot raise a dispute to rectify.

    Also before getting your update on the free report i could find another way to view CIBIL score. I have consumer durable loans from Bajaj Finance. Their mobile app gives me my cibil score….but it shows 817 and the website shows 820….not that i’m losing my sleep over it.

    thanks
    Dibya

    Reply
    1. Siddharth Post author

      Thanks for your kind words and for being a regular reader 🙂
      1. FACR is your report. I see they don’t allow t download it now.
      2. Check out “Understand my report” section for codes and descriptions. Its normal.
      3. Try to email them. The card/ac number you see might be different, just make sure it shows the correct activity.

      That’s interesting about Bajaj Finance, can you share more info on that?
      Maybe 817 is your last month’s score.

      Reply
      1. Dibyaroop

        I can send you a screenshot of the app with the score if you want. Thanks

        Reply
        1. Siddharth Post author

          That would be great. Kindly mail it to sid[at]cardexpert.in

          Reply
    2. Abhishek Roy

      XXX means that on those months there have been no transactions on the card and hence no bill paid. And in the months in which you indeed spent something and paid within the due date without delay, you’ll see a ‘0’ for that. Hope this helps.

      Reply
  14. Neelesh

    Hi,
    Great article. Never knew of such info before.
    So, i immediately checked my credit score(801) but i see in the account section only 1 credit card listed. and i see all the people commenting their various credit cards listed. i have 3 now. How and where can i check?
    Thanks

    Reply
    1. Siddharth Post author

      Are you sure that your PAN is updated in all of them? check with the bank.

      Reply
  15. Vivek Agrawal

    Hi Siddharth
    So recently I recieved my ICICI platinum credit card for lifetime free(the bank only called me and told me it’s a pre approved card and I’ll get an excellent credit limit). However, as pathetic as it can get, I applied for master card and informed them multiple times to make sure I recieved master card, but I ended up recieving visa. 2nd thing, they f***ed up my mobile number so badly, thankfully I recieved my card somehow and changed my phone number. And to my surprise, the credit limit was just 55000₹ which is lower than my monthly salary!! Now I just want to close this card. Coz I tool this to purchase a laptop on emi(1 lakh), since it was lifetime free and pre-approved, I didn’t care about points (already have diners rewardz with 75k lomit)
    Plz tell me is there any ICICI online portal where I can check my spends for this card, outstanding amount etc(like hdfc has in netbanking)

    Reply
    1. Siddharth Post author

      Yes, they do have a portal Vivek.
      For me, its inside my usual ICICI netbanking a/c login, so should be same for you too.

      Reply
      1. Vivek Agrawal

        But I don’t have any savings account with ICICI bank. How do I access netbanking?

        Reply
        1. Siddharth Post author

          No idea Vivek, pls call up Phone Banking. They must be able to guide you.

          Reply
        2. Dr. A. P. Shah

          You can register easily via login link on home page. On home page of icici bank, move cursor to Login, click Personal, NRI and Young Stars, Now click Login Now, here on right side under ” May I Help You”, click New User? Get UserID, here click under serial number 2 on “Click Here To Proceed”, now select credit card radio button, enter credit card number and click “GO”. You are all done. Now to generate password, follow the link JUST BELOW THE “Click Here To Proceed” after receiving username. Its now done!

          Reply
  16. priyanshu

    Hi Sid! thanks for the info on free CIBIL

    In my report one of the credit cards ‘total credit limit’ field is blank!
    Is it normal/ok?

    Reply
      1. Abhishek Roy

        But because of that, the whole reason of having a higher credit limit to decrease the credit utilization ratio and thereby improving the CIBIL Score fails. HDFC is the laziest of the lot and never discloses the credit limit. Citibank is very good in this respect and invariably reports the credit limit.

        Reply
  17. Vivek Agrawal

    Hi Siddharth. So before reading only, I had purchased this cibil worth 550₹ package. So since I have done only 3 payment of credit card till now, it shows my score as NA. My question is that weather I’ll be able to see my cibil score for lifetime with this 550₹ package or was this only one time(I can login but will they show me updated score?)

    Reply
      1. Vivek Agrawal

        Isn’t it unfair that cibil charged me 550₹ to display my score once and that score is NA

        Reply
    1. Siddharth Post author

      Mine was around 800 when i checked few months back. I checked my Dad’s score in this free report.

      Reply
  18. P V SAI GOWTHAM

    Thanks for such a vital information.

    I could able to check my score immediately , which was 791

    Reply
  19. Sunny

    What is the best possible CIBIL score.?
    And as per your understanding, which score can be termed as bad, average, good, excellent..?

    Reply
    1. Siddharth Post author

      <700: Bad
      700-750: Okay
      750-800: Good
      800-850: Great
      850+ AWESOME

      More than these, its very important to know if there are an black marks in report, like "settled"

      Reply
        1. Siddharth Post author

          Add more FD based cards/loans and maintain them for a while. Might take an yr or more for Banks to get some trust on such settled accounts.

          Reply
          1. Parth Maniar

            Can you please email / publicly post on what do you mean by FD based cards / loans .. I never got that 🙂

  20. Parth Maniar

    This is an important heads-up. Thank you very much for this article. Do you (or anyone else) have idea about equifax? It’s a credit rating agency like CIBIL. My Cibil scores is above 800 but in Equifax it’s very low. I’ve had difficult time(s) dealing with CIBIL. Has anyone dealt with Equifax?

    Reply
    1. Siddharth Post author

      CIBIL is the only Score to take care of now as other scores are not being used as a primary check by most banks.

      Reply
    2. Hari

      Parth,

      Yes. Even My score on equifax is low although CIBIL and Experian scores are good. Seems like they have a different criteria.

      Reply
    3. Bibhash

      My Equifax score is 100 less than CIBIL. Nothing negative in the report. Dont know how they calculate the score.

      Reply
  21. Mahesh

    Hi Siddharth,

    Thanks for all the information that you have been providing. Strated following you a few days back. Very infotmative.

    One question I have here is, I tried to do the steps you have mentioned above, but after login, I am only able to see the credit score. I am not able to see the report. And as far as my report goes, I have only 2 tabs there, my details and change password. Both of no use for this. Am I missning anything.

    Thanks

    Reply
    1. Siddharth Post author

      It shouldn’t happen. You can get in touch with CIBIL to see what’s happening.

      Reply
      1. Mahesh

        Thanks Siddharth.
        Yes the same issue is there with mine and my friends. Not sure. I will contact them.

        Reply
  22. Nikhil A

    Tried to get my free CIBIL score. says page requested does not exist. Can you pls check if they have withdrawn the free report feature ?
    Last year my score was 792. (paid report)

    Reply
  23. Aroon

    Thanks Sid… Just got to know it. Nice to know this way to get your Cibil report….and good for you to update it for all.

    Reply
  24. mukesh aggarwal

    Dear siddharth,
    i like your blog very much. my cibil score shows around 806.
    is it good enough?
    kindly clear

    Reply
  25. Eshwar

    Hi Sid,

    Thanks for the info.

    I only use credit cards and my score is 785. Is there any way to increase the score? What are the ways to boost the score up. I have paid my bills within due dates and never had an outstanding amount.

    Reply
    1. Siddharth Post author

      More credit cards would help, or, just check my other article on how to increase your CIBIL score.

      Reply
  26. Yash

    Thanks Sid for getting free CIBIL report. I applied for Indusind platinum and ICICI platinum card. CIBIL score is 784.
    Can you tell me on what basis banks provide credit card and internal procedure for approval of credit card.

    Reply
  27. Ajay

    Thanks a lot Sid, you’re the champ. Last yr Feb I had checked my score and it was 790. Today morning me & roomie were discussing the CIBIL score as he wanted to apply for Diners Premium (courtesy to you, I got that card and now in my office I’ve helped 6 ppl get Diners premium, and 2 in my family).

    So friend says his score is 625, I didn’t remember my score exactly, so I told mine was 798. Once I came to office thought of checking your website for some card review, then voila …I see “Free Cibil Score”….immediately checked and I couldn’t believe the coincidence, its indeed 798 😀

    Reply
    1. Siddharth Post author

      So you’re the Credit card Guru of your company 😉
      Have Fun.

      And 798 is a pretty good score too.

      Reply
  28. Kaushik

    Hi Siddharth,

    I was actually about to pay to get my CIBIL score when i came across you useful article. I followed the steps and got a mail from CIBIL to login to my account using a temporary password(reset during first login) to access the report. But after logging in, it is prompting me enter more details to avail loan offers. I am not able to access the report or view the score from any of the tab/options. Would be helpful if you could tell me how to view/access the report.

    Reply
    1. Siddharth Post author

      You can skip the offers. Try to login again.

      Reply
  29. Sid

    CIBIL score is more than 800 , applied for Standard Chartered Landmark Rewards Platinum Credit Card , card on card basis , currant CC has hansom credit limit paid all bills on time , still Standard Chartered decline credit card !, They are not giving any answer why they not approved CC . is my CIBIL is not good ?

    Reply
    1. Siddharth Post author

      Score is good, maybe they’re not ok with some other parameters. Did you check your report to see if there is any issue in it?

      Reply
  30. Balpreet Singh

    I got the free CIBIL report last month. Now if I login, the details there will be refreshed( for the credit card / home loan etc.) or that is static ( as of feb 2017 when i got the free report generated)

    Reply
    1. Siddharth Post author

      Donot pull reports more often. Getting CIBIL reports Once or twice a year is the best way as banks donot update the info in realtime.

      Reply
  31. Vipin Kumar

    hi sidd,
    I checked my Cibil and my name, father name, date of birth is not correct & even Identity proof numbers of voter id and UID is of that person, it seems cibil linked my account with someone having same name (Vipin Kumar). cibil statement showing 3-4 loan accounts that i never applied. please let me know how can i proceed for early change in my cibil report. My score is 818 and my loan is on verge of rejection due to outstanding shown in my report with no fault of mine as i have never took that oan

    Reply
  32. Devendra

    FYI
    There are total 4 agencies which provide free credit report once per year-
    1) TransUnion Cibil
    2) Equifax
    3) Experian
    4) Crif High Mark

    Reply
  33. Bhaskar naidu

    i read your article and thought of finding out my score. i completed all the process and in end i came to a page which said to login to mycibil section to view the score. now when i went to mycibil page, it is asking to create new password. but when i am entering the password its showing error msg –
    “Password should have atleast 8 characters with atleast 1 lowercase alphabet, 1 uppercase alphabet, 1 special character and atleast 1 number.”
    i tried many times and i know i am not doing any mistake.
    please help me in this.

    Reply
    1. Bhaskar naidu

      after failing multiple times. i tried a different approach. i went to mycibil home page and clicked forgot password and did the formalities. and after that i was able to access my score.
      my score is 748. i have only one credit card and no loans. how do you you see my score. is it good.

      Reply
  34. Ajinkya

    Hi Sid,

    Do you know how we can check the CIBIL report that was received by the querying bank (say HDFC, Amex etc.) ?
    https://www.dc.transuniondecisioncentre.co.in/dc/CIR/

    It requires some reference number by the bank. But, it does not look like any of my recent reference numbers are working.

    Cibil just gives the report once in a year for free but this way we can access the report for every CC application.

    Thanks.

    Reply
    1. Siddharth Post author

      Interesting question.
      Had this doubt long back, but never explored it.

      I’m checking on this with my latest issuer and will revert when i have more details.

      Reply
  35. Deepak

    Hi siddharth, my cibil score being 804, i had applied for standard chartered landmark rewards credit card on the basis of RBL credit card for which credit limit is 2,08000. Still my application got rejected. What might be the reason?

    Reply

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