Where Do I Get My Credit Report for Free?

Last Updated : Feb. 20, 2025, 3:03 p.m.

A credit bureau is an agency that collects information from various sources like banks, credit card companies, and public records. It then provides comprehensive information along with other useful services like the credit score to private lenders. There are 4 leading credit bureaus in the country namely Equifax, TransUnion CIBIL, Experian, and CRIF high mark. Each of them have their own credit scoring model and generate their own credit score. Each of these credit bureaus have to give a free copy of your credit report once a year. Visit AnnualCreditReport.com to request a free Equifax, Experian, TransUnion, and CRIF credit report. Wishfin, an official fintech partner of TransUnion CIBIL, enables you to do a free credit score and credit report check every time you visit its official portal. It also shows you a list of pre-approved credit card and loan offers that you are eligible for according to your credit score. Let us now understand the steps to get your free credit report from Wishfin and each of the credit bureaus.

Steps to Get Your Free Credit Report From Wishfin

Here are the steps to check your free credit report from Wishfin:

Step 1: Visit the official portal of Wishfin

Step 2: Click on ‘CIBIL Score’

Step 3: Enter your first name (According to the PAN card), middle name, and last name.

Step 4: Enter your date of birth, Email ID, and mobile number.

Step 5: Give the details about your net monthly income

Step 6: Enter your employment status - Whether you are salaried or self-employed.

Step 7: Enter the name of the city you are residing in and your gender.

Step 8: Enter your PAN card number

Step 9: After entering the details, you will be asked to choose between 2 options - (1) Allowing calls to come from Wishfin since you are interested in applying for a loan (2) You do not want calls as you are interested in checking only your CIBIL score.

Step 10: Check the box - I Agree to Privacy policy and Terms and Conditions.

Step 11: Click ‘Submit’

Step 12: Answer the security questions and click ‘Continue’

Step 13: A Wishfin account will be created for you. Your login details will be sent as an SMS and you can login to view your detailed CIBIL report and CIBIL score.

Steps to Get Your Free Credit Report from CIBIL

Step 1: Visit the official portal of CIBIL

Step 2: Click on the icon - Get Yours Now

Step 3: Fill in the personal details like Name, date of birth, contact number, ID number, etc.

Step 4: Now, create your account with your own username and password

Step 5: An OTP will be sent to your contact number or email to verify your identity.

Step 6: Verify your identity. After completing the process, you will move to an account dashboard page. This will show your credit score.

Step 7: Click on the credit report icon to download your credit report.

Steps to Get Your Free Credit Report from Equifax

Online:

Step 1: Create your own account using your email address and mobile number. Generate your own password.

Step 2: An OTP will be sent to authenticate your identity and verify your details.

Step 3: Details will include your date of birth, address, ID proof such as PAN card and Aadhaar number.

Step 4: Click on “Run your free report” on your dashboard. You have now generated your first free credit report.

If you are not able to create the report online even after lodging a complaint with Equifax, then you can get the free report in offline mode.

Offline:

Step 1: Fill in the credit report request form completely.

Step 2: Send a scan or physical copy along with your ID and address proof to Equifax.

Step 3: The support team will authenticate the request and send the report within 7 days.

The list of valid KYC documents required are identity proof and address proof.

ID Proof Documents:

• Passport
• PAN Card
• Aadhar Card
• Ration/ PDS Photo Card
• Voter ID
• Driving License
• Service photo identity card issued by PSU/Government Photo ID Cards
• NREGS Job Card
• Pensioner Photo Card
• Kissan Photo Passbook
• Gazette notification for name change
• Bank Pass Book containing name and photograph

Address proof Documents:

• Passport
• Bank Statement/ Passbook
• Voter ID
• Ration Card
• Driving License
• Post Office Account Statement/ Passbook
• Electricity Bill (not older than 3 months)
• Water Bill (not older than 3 months)
• Telephone Landline Bill (not older than 3 months)
• Property Tax Receipt (not older than 1 year)
• Credit Card Statement (not older than 3 months)
• NREGS Job Card
• Pensioner Card
• Kissan Passbook
• Government Photo ID Cards/ Service photo identity card issued by PSU.

Free CIBIL Score Check

Steps to Get Your Free Credit Report from Experian

As a First Time User:

Step 1: Go to the official portal of Experian.in and click on “Free credit score” to access your first free credit report.

Step 2: Click on register now to fetch your full free credit report.

Step 3: Enter the mobile number linked to your account and click on send OTP.

Step 4: Click on free plan, and you will be redirected to fill in the details.

Step 5: Enter all the details - Your name, date of birth, email ID, document type and number, address and Pincode according to your credit account to enable Experian to fetch your credit report. Entering all the details accurately enables Experian to verify if you have a credit report.

Step 8: You will now be taken to your dashboard and can click on “Download Report”. In this way, you can access your complete report from your dashboard.

Steps to Get Your Free Credit Report from CRIF High Mark

Step 1: Go to the official website of CRIF High Mark.

Step 2: Click on “Check Free Credit Score” or “Free Credit Report”

Step 3: Enter your details like name, date of birth, and PAN.

Step 4: Complete the authentication process (Usually OTP verification).

Step 5: You must now be able to see and download your report.

How does Credit Report Help?

Using your credit report, you can know about your past payment records and find the reason behind the low credit score. There might be several reasons for a low credit score, usually, it is due to the non-payment of credit card bills and EMI. When you miss an EMI of your loan payment, it has a direct effect on your credit report which shows a due payment and reduces the credit score. A low score indicates you are not a creditworthy applicant for a loan or credit card. To maintain your credit report, you need to ensure that you avoid non-payment and borrow less unsecured loans.

What to Do If My Credit Report Shows ‘Settled’?

Sometimes when you find it hard to pay the entire dues on your personal loan or credit card, the lender gives you the option of debt settlement. With this, the total liability reduces. If you pay the settled amount, you will be free from any liability. But it leaves a remark of ‘Settled’ which creates issues for you to borrow an unsecured loan in the future due to the credit risk on your profile. To remove the ‘Settled’ tag, you can contact your bank or financial institution and pay the overdue amount. The lender will mark as debt fully paid while submitting its report to the credit bureau. This way the ‘Settled’ tag gets removed from your credit report.

How Can You Improve Your Credit Record?

If you have checked the credit report for free at Wishfin and want to improve your credit record , follow the below pointers that will help you to do so.

• Find Errors: Sometimes due to technical errors, your credit report is shown faulty and results in a low credit score. To resolve the issue, you may contact the credit bureau so that it can remove the errors and show the correct information on your credit report.
• Pay on Time: If your credit score is low, it might be due to the non-payment of the dues. If you pay the dues of the borrowed loan, it will help you increase the credit score . The credit report will improve gradually and help you borrow money in the future.
• Check Credit Report: Check your free credit report at Wishfin whenever you apply for credit cards or loans. We will help you find the best loan and credit card offers as per your current credit score.

Apply for a credit card from top lenders at Wishfin

• Keep Credit Card Bills Low: Don’t spend more often from your credit card, since you have to keep your credit utilization low. This will make you eligible for more credit products.
• Limit the Loan Applications: Apply for a loan carefully because multiple hard enquiries can harm your credit score and credit report.