Check Free CIBIL Score Online

Where Do I Get My Credit Report for Free?

Highlights

  • Check Your Credit Report for Free at Wishfin, the official partner of Transunion CIBIL and Experian
  • Read the post to know the procedure for a free credit check.

You can check your credit report for free from the top credit bureaus Transunion CIBIL and Experian. But that service is free only once a year. If you check more than once, charges will apply. However, you can check the credit score and credit report of both CIBIL and Experian at Wishfin for free. Wishfin is an official partner of both CIBIL and Experian. You just need to provide your personal and credit-related details to access the credit report for free. Read this post to know the process.

Free CIBIL Score Check

How to Check CIBIL Score Report for Free at Wishfin?

You just need to follow the steps shown below to check your score.

  • Visit the official website of Wishfin
  • Click on ‘CIBIL Score
  • Enter your first name, middle name and last name
  • Enter your date of birth
  • Select your gender
  • Enter your PAN number
  • Mention your monthly income
  • Select your employment status
  • Enter your employer name
  • Enter email address
  • Mobile phone number
  • And click on ‘Submit’

After the verification processes, the login credentials are sent to your registered email address via which you can check your CIBIL credit report for free.

Check Free Experian Credit Score

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How to Check Experian Credit Score Report for Free at Wishfin?

In the same way, you can check the status of your Experian credit score report for free by following the steps shown below.

  • Visit the official website Wishfin
  • Click on ‘Experian Free Credit Score Check’ in the page bottom
  • Enter your first name, middle name and last name
  • Mobile number
  • Email address
  • Click on ‘Submit’
  • And then enter the One-time Password (OTP) sent to your registered email address or mobile number
  • Then log in to your account to check the credit report for free at Wishfin

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.

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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 make the due payments 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: Do check your free credit report at Wishfin whenever you apply for credit cards or loans. It will help you find the best loan and credit card offers as per your current credit score.

Keep Credit Card Bills Low: Don’t spend more often from your credit card so that the credit utilization remains low and makes you eligible for more credits.

Limit the Loan Applications: Apply for a loan carefully because each hard enquiry can decrease your credit score. And if you apply for multiple loans, it will reduce your credit score and harm your credit report as well.

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