Whoever said wishes don’t come true hasn’t explored our offers!
  • Loading your search...

    TransUnion CIBIL Ltd., earlier known as Credit Information Bureau Ltd., is among the leading credit information companies in India. Incorporated in 2000, it is popularly known as CIBIL credit bureau. The bureau gathers and maintains records of your payments related to credit products such as loans and credit cards. Lenders, financial institutions like banks and non-banking finance companies submit your credit records to CIBIL every month. The credit bureau uses this information and computes your CIBIL score and creates a detailed credit report. Lenders use this report and score to measure your creditworthiness and assess whether you can repay the borrowed amount.

    This bureau is licensed by the Reserve Bank of India (RBI) and is overseen by the Credit Information Companies (Regulation) Act of 2005. It has more than 2,400 members including banks, financial institutions, non-banking financial companies, and housing finance companies. The credit bureau maintains credit records of more than 550 million consumers and businesses.

    Click Here to Get Free Credit Score  

    What is a CIBIL Score?

    A CIBIL score is a 3-digit number that represents your creditworthiness. It ranges from 300-900. The closer your score is to 900, the better the chances are of you getting a loan or a credit card approved. A higher score suggests you have been a responsible borrower and have a good credit history. As per general standards, a score of 750 and above gives you quicker access to loans and credit cards.

    What Makes your CIBIL Score?

    There are four main factors that make up the score:

    Payment History 30%
    Credit Exposure 25%
    Credit Type and Duration 25%
    Other Factors 20%

    What are the Factors that Affect my CIBIL Score?

    • Payment History:

      One of the biggest factors that affects your CIBIL score is payment history. You should make it a priority to pay your credit card bills as well as loan EMIs on time. Avoid late payment of bills at any given time as it will bring down your score. As per a recent CIBIL analysis, a 30-day delinquency can reduce your CIBIL score by 100 points (as reported by Financial Express).

    • Total Amount of Debt:

      The total amount of debt you have at a given point of time has a major effect on your CIBIL score. Credit utilisation ratio is the amount of credit used by you in proportion to your combined credit limit. You should maintain a low credit utilisation ratio at all times to get a high score. As per experts, it is advised to use only up to 30% of your total credit limit.

    • Length of the Credit:

      A long credit history helps to improve your score. It suggests that you have a good experience with handling credit. Lenders prefer offering credit to people who have a rich history because it makes assessing you as a borrower, easier. Therefore, it is advised to avoid closing old cards as you will lose out on the long credit history and good repayment behaviour associated with it.

    • Type of Credit and Duration:

      It is important to have a decent credit mix. Maintaining a healthy balance of secured and unsecured credit helps to boost your CIBIL score. You need to make sure that you don’t have high secured credit or unsecured credit and instead try and maintain a good balance of both.

    • Total Credit Inquiries:

      Avoid making multiple credit inquiries within a short period of time. When you inquire to a bank or a financial institution about a loan or a credit card, the lender will pull out your CIBIL report. Such an inquiry is called a “hard inquiry” and it has a negative impact on your score. Multiple credit inquiries can bring your score down. Therefore, it is advised to inquire for credit only when you actually need it. Meanwhile, when you check your own score or report, it is called a “soft inquiry”. You can check your report multiple times and it will not have any effect on your CIBIL score as soft inquiries are not recorded on your report.

    How to Improve your CIBIL Score

    In order to improve your CIBIL score, you need to be consistent in paying bills on time and be a responsible borrower. Here are some of the ways that will help you improve your score.

    • Use Credit Lines Responsibly:

      At the end of the day, any money from a line of credit is borrowed money. You need to repay it to your lender, with or without interest, depending on the type of credit line, and your repayment behaviour. So, use your credit card, loan amount, or any other type of borrowing wisely. Also, do not use or borrow more than you can afford to repay. This could lead you into a debt-trap.

    • Avoid Late or Missed Payments:

      Apart from being charged late payment fees on your late payments, this repayment behaviour will also get reported to the credit bureaus, affecting your score. If you have multiple credit card payments and loan EMIs to make, it is advised to set up payment reminders or due date alerts to get more organised. This way you never forget making your payment. You could also set up a direct debit arrangement with your lender, where your payments get automatically deducted from your savings/current account on the due date. This way, you never have to worry remembering due dates, or about late or missed payments.

    • Maintain a Low Credit Utilisation Ratio:

      vAs mentioned earlier, you should ideally not exceed 30% of your total credit card limit. This is especially important if you apply for a home loan in the future. When you apply for a home loan, banks will assess your debt-to-income (DTI) ratio. This ratio evaluates your total debt with respect to your total income. If your debt exceeds 50% of your income, banks are more likely to reject your application. Another reason why you should maintain a low credit utilisation ratio is to not appear credit hungry. If most of your expenses are being borne by your credit lines, you will appear as a borrower who is unable to manage their expenses on their own.

    • Make Sure to Close Accounts Instead of Settling:

      If you have defaulted on any payments in the past, it will be reflected in your credit history and will bring your CIBIL score down. Make sure to pay off the unpaid amount and close the account instead of opting for a settlement. You should ensure that the account gets a 'closed' status. Also, it is best to get a formal closure certificate from the lender for the account.

    • Review your Credit Report:

      You should check your credit report periodically to understand your credit health. This should be done to ensure that your credit report is free of any errors related to your credit accounts. This is important because any incorrect information recorded on your report could bring down your score through no fault of your own. It is important to identify and rectify such errors at the earliest.

    Check your CIBIL Report for Free

    In 2017, the RBI made it compulsory for all the credit bureaus in the country including CIBIL to offer one free credit report to consumers per calendar year. You can get a free copy of your CIBIL report by visiting the official website of CIBIL.

    As India’s leading CIC (Credit Information Company), CIBIL enjoys considerable clout in the Indian credit system. But who makes up this prestigious institution?

    CIBIL has a diverse ownership structure consisting of well-known banking and non-banking companies. Its major stakeholder is Trans Union International Inc. with about 66% of the total share. The remaining 34% is held by 8 other parties with stakes ranging between 1% to 6% each.

    TransUnion deals in data analytics to help businesses in decisioning processes for better risk management. It is also a leader in information management.

    CIBIL Shareholders
    Trans Union Interantional Inc. 66%
    ICICI Bank Ltd. 6%
    Bank of Baroda 5%
    Bank of India 5%
    Indian Overseas Bank 5%
    Union Bank of India 5%
    Aditya Birla Trustee Co. Pvt. Ltd. 4%
    India Alternatives Pvt. Equity Fund 2.9%
    India Infoline Finance Ltd. 1%

    An individual’s or company’s credit history is evaluated to generate a Credit Information Report (CIR) from which is derived a credit score known as the CIBIL TransUnion Score. This report and score form an integral part of a lender’s credit approval process. Credit scores range between 300 and 900. The higher the score, the more creditworthy the borrower is, which translates to quick approvals and better interest rates.

    CIBIL provides credit reports and scores to those who inquire for them. This includes individuals, institutions and lenders. When an application for a loan or credit card is submitted, lenders check the applicant’s credit scores to ascertain whether it satisfies eligibility criteria. In general, a score of 750 or higher is considered good.

    Prior to the introduction of credit information bureaus in India, credit was dispelled based on the apparent creditworthiness of customers. There was little to no tracking of credit histories nor was there any useful analysis or collation of credit data of various borrowing entities. This led to defaults which were loss-making propositions for lending institutions.

    As time passed, regulators began emphasising on the need for stricter credit approval mechanisms. Based on recommendations by the Siddiqui Committee, India’s first credit information company was set up. CIBIL has been in operation since the year 2000 and brought in much-needed transparency to the credit system. In 2004, consumer bureau services were launched followed by commercial bureau services in 2006.

    The CIBIL TransUnion score was first brought to banks in 2007 and later to individuals in 2011. Two noteworthy services were launched in the year 2010 viz. CIBIL Detect and CIBIL Mortgage Check. These were information databases on activities considered highly risky in nature and mortgages respectively.

    Today, almost all banks rely heavily on credit scores from credit bureaus to analyse borrowers’ creditworthiness. By reviewing credit information reports (CIRs), lending institutions are now able to assess and manage risk better. This helps in reduction of NPAs contributing to a healthier overall credit system in the country. Borrowers are now able to access their credit reports and scores to better understand their chances when it comes to being approved for a loan. They can work towards building their credibility before opting for a loan thereby rejecting their chances of rejection. Awareness on CIBIL and its services is on the rise with many initiatives being launched to educate the masses on the need to maintain financial discipline and the consequences of lapses.

    CIBIL works with the mission and vision to provide customers solutions that will facilitate making the best decisions, supported by suitable technology and services to make the required information available to them in the best way possible. Even with the presence of other credit bureaus in India, it is always the company’s endeavour to be their audience’s first choice.

    • CIBIL Score

      A numeric score, released by CIBIL, indicating an individual's creditworthiness. It is calculated based on credit data collected from member financial institutions that have extended credit to individuals in the form of loans or credit cards. Higher the score, stronger the individual's creditworthiness. CIBIL scores a.k.a. credit scores, are widely used as a key parameter when determining a borrower's eligibility for a loan or credit card. Read on to find out how CIBIL scores are computed and how it affects your loan and credit card approval.

    • CIBIL Report

      A comprehensive report compiling an individual's credit information, sourced by CIBIL from various member lending financial institutions viz. banks and credit card issuers. A CIBIL report a.k.a. credit report contains pertinent information about an individual's borrowing history and repayment patterns including delays and defaults. This report acts as a key source of credit information to assess a borrower's creditworthiness. Information in this report helps an individual understand how his/her credit score has been affected.

    • Factors that affect CIBIL Scores

      CIBIL scores are determined based on a number of factors including how often and regularly you service debt obligations. Find out what impacts your credit score resulting in a good or bad credit rating.

    • Top CIBIL Improvement Factors

      Dogged by a bad credit report or credit score? Mediocre credit ratings have your bank officers on edge about how much they ought to lend you? Learn about how you can get your CIBIL rating to look better than ever before.

    • Facts about CIBIL scores

      Do you think CIBIL scores are just an elaborate government ploy to get you to pay your credit card bills on time? Does your mom worry that the neighbour’s son has a better credit score than you? Get the real deal on CIBIL scores and what they mean to you with these important facts about credit scores.

    • FAQs: CIBIL/Credit Score

      Did you know….For all those questions left unanswered and more, we list out the most popular questions about CIBIL, credit ratings, reports and scores.

    • Factors that affect CIBIL scores

      What goes into the making of a good CIBIL score? In this segment, we deconstruct a credit score to find out what you should or should not do to get a good credit score.

    • Good habits for a good CIBIL score

      CIBIL reports are built over a period of time and so also your score. A good credit rating is a reflection of your credit habits. What are good credit habits?

    • Mistakes that can negatively impact your CIBIL score

      You might get your cheque in the box just in time to clear a payment due on your loan or credit card, but paying your bills isn’t the only way to stay in CIBIL’s good books. Get the inside scoop on the mistakes you should avoid to keep your credit score from going bad.

    • Hidden facts about CIBIL scores

      Knowing your credit report is great; but when it comes to CIBIL, there’s more than meets the score. Get the dope on the lesser known facts about credit scores including how they are computed and what really gets your CIBIL report going.

    • CIBIL score for Home Loan

      The right credit score will make you feel right at home at any bank. Home loans are often high quantum, long-term loans that make lenders wary about whose homes they’re financing. What CIBIL score should you have to impress your bank for the most affordable housing loan?

    • CIBIL score for Personal Loan

      Nothing personal about your creditworthiness when it comes to taking out a personal loan. Being an unsecured loan, you’ll want to have your credit score in just the right range to make sure you get your bank to fund you instantly. How high should your credit score be to get the best personal loan in town?

    • CIBIL score for Car Loan

      Fuel your dream ride with a range of car loans that suit your pocket. Walk in with a good CIBIL score and drive away with a new set of wheels.Check if your CIBIL score qualifies you for the car loan of your choice.

    • CIBIL Myths

      If you think CIBIL is a secret service agency that runs an underground operation of loan and credit card dealers, think again! Get your facts straight and but those myths about CIBIL and credit scores.

    • What’s next for CIBIL

      Getting a loan or a credit card? Let’s talk CIBIL. Like ‘em or love ‘em, CIBIL is definitely here to stay and is getting bigger. Credit assessment is finding new applications in India’s diverse financial system. Insurance? Utilities? What other products and services will CIBIL make its mark on next?

    • Solutions to your CIBIL credit report problems

      What’s a model borrower like you doing with a bad credit report? Maybe your bank forgot to record a payment or they got your payment dates wrong. Whatever got you at the wrong end of the stick, we help you find a way to get your CIBIL report back in order.

    • CIBIL / Credit Report Checklist

      How is a credit report built at CIBIL? What are the key points to look out for when reading a CIBIL credit report?Check off what you need to look out for with our handy CIBIL report checklist.

    • CIBIL Score vs. CIBIL Report

      A CIBIL score is a numeric representation of your creditworthiness based on information contained in your report. A CIBIL report is a comprehensive record of your credit transactions based on your credit history. This is just one of the many differences between a CIBIL score and a CIBIL report.

    Monitoring credit score, at regular intervals, is pivotal to figure out where you stand. Normally, CIBIL score ranges from 300-900, but it is advisable to score higher than 750 to get approvals on loan application and credit card. Every time a lender updates new information on the credit account, credit score alters. Check your Free Credit Score by following simple steps.

    Q. What’s CIBIL all about?

    Founded in 2000, the Credit Information Bureau of India Limited (CIBIL) collects a record of an individual’s loans and credit cards. CIBIL, which is ISO 27001:2005 certified, is divided into two divisions, namely, consumer bureau and commercial bureau. The consumer bureau (launched in 2004) has over 260 million records while the commercial bureau (launched in 2006) has over 12 million records. TransUnion International and Dun and Bradstreet are CIBIL’s technical partners.

    Q. What’s a CIBIL score?

    Banks, as part of their due diligence process, gauge the creditworthiness of individuals based on credit scores. The information listed on your credit report includes several variables that CIBIL uses to set your credit score. CIBIL score, therefore, reflects the extent of the probability of a default. An individual’s credit history is submitted to CIBIL by banks and financial institutions on a monthly basis.

    Q. Is there only one credit bureau in the country?

    In addition to CIBIL, there are three other credit bureaus in India, namely, Experian Credit Information Co. of India Pvt. Ltd, Equifax Credit Information Services Pvt. Ltd and CRIF High Mark Credit Information Services Pvt. Ltd. Since all the three have different scoring patterns, your score may vary. Nevertheless, if you have a good CIBIL score, you will get favourable scores by others too.

    Q. Will checking your score have negative repercussions?

    Experts suggest checking one’s CIBIL score once a year. The practice is often considered a ‘soft inquiry’ as opposed to credit card issuers asking CIBIL for your score, known as a ‘hard inquiry’ (mentioned in the ‘enquiry section’ of your report). Also, if you apply for a loan with various banks at the same time, it will result in hard inquiries which may have a negative impact your score.

    Q. What’s a control number?

    The control number is a nine digit unique number that helps CIBIL track your credit report. The control number is generated if and when banks access your credit report.

    Q. What happens if there is no information available for the details I provide?

    If there is no information available for CIBIL to generate a credit report for you, then the money that you paid towards the report will be refunded.

    Q. How does the CIBIL scoring system work?

    CIBIL’s scoring system takes into account all your previous credit information from all types of loans to credit cards, etc. and considers your performance (whether you’ve paid on time or delayed payments, or defaulted on payments entirely) and collates all this information into a numerical score. The score is on a scale from 300-900, and scores above 700 are eligible for loans from most of the established lenders. The closer your score is to 900, the better your chances are of having a loan or credit card approved. In addition to a numerical score, lenders from whom you’ve previously borrowed are able to leave comments about your credit performance against the score. Whether the comments they leave are good or bad is entirely up to you and how manage your finances.

    Tips to Improve Your Credit Score

    Maintaining a good Credit Score is very important. Let’s give you some ways to improve your Credit Score. Follow these tips and you’re on the right track.

    Be Regular With Bill Payments

    Start paying those bills on time and your Credit Score will gradually improve.

    Foot The Entire Bill

    Paying only the minimum amount due on your Credit Card is not a good idea. Pay the full bill.

    Increase Your Credit Limit

    If you have a lower credit limit and still max out your Credit Card, that hurts your Credit Score. Boost your Credit Limit and use a lower limit. That’s better.

    Foreclosing Loans? Not A Good Idea

    If you think making a lump-sum payment on your loan will boost your Credit Score, think again. Pay your EMIs on time to show that you have a good repayment history. Ready to improve your Credit Score? Let’s get you started by getting you the perfect Credit Card.

    Read CIBIL news or Enjoy it on the go Google Play

    • SIDBI introduces new web portal for MSMEs in collaboration with TransUnion CIBIL

      Small Industries Development Bank of India (SIDBI) has launched a new web portal for Micro, Small, and Medium Enterprises (MSMEs). This is in collaboration with the credit rating organisation, TransUnion CIBIL. Named MSMESaksham, the new portal will facilitate easier and quicker setting up of credit responsibilities and access to credit for MSMEs. They will also be able to access information about government laws vis a vis registration of companies, budget management, federal government schemes, etc. Companies will also be able to test and understand their CIBIL rating as well as be able to access mortgage approval in less than an hour through PSBloans online credit marketplace. The loans can be accessed from more than 25 Non Banking Finance Companies (NBFCs) as well as private and non-private banking entities for funds ranging from Rs.1 lakh to up to Rs.5 crore. Mudra loans too can be licenced for up to Rs.10 lakh through the portal.

      16 August 2021

    • SBI reduces home loan interest rate by 10 basis points

      State Bank of India (SBI), the country’s largest lender has reduced home loan interest rate by 10 basis points till Month end under a limited period offer. Following the reduction, the revised rates will start at 6.70% and will be linked to CIBIL score. A borrower with a high CIBIL score will earn fine interest rate.

      For home loans up to Rs.75 lakh, the interest rate will be 6.90 percent for a borrower whose CIBIL score is between 700 and 750. Those who have a CIBIL score between 751 and 800 will be able to avail the loan at 6.80 percent while those with a score above 800 will be able to get the loan for an interest of 6.70 percent. For loans above Rs.75 lakh, the interest rate shall start at 6.75%.

      It needs to be mentioned here that the customers who apply for the home loan via the YONO app will be able to avail additional concession of 5 basis points. Women borrowers will also be offered a special concession of 5 basis points on the eve of International Women’s day.

      1 March 2021

    • Demand for new credit cards more than in pre-Covid times

      Demand for new credit cards in October 2020 has exceeded numbers in the same period last year. TransUnion Cibil reports that there were 106% more queries in October 2020 than in October 2019. Non-metros and small towns are leading in the number of applications. The queries for new credit cards had reduced to 5% of the previous year’s number in April 2020 because of the lockdown. The numbers picked up in July but were 61% less than the number of enquiries in July 2019. There was a total of 5.9 crore credit cards outstanding as of September 2020 which was an increase of 5.8 crore in March. In April, this number decreased to 5.7 crore. SBI Cards issued 4.6 lakh cards in the first half of FY21. HDFC Bank issued 4.8 lakh cards and ICICI Bank issued 1.6 lakh during this period.

      1 December 2020

    • 2 out of 3 MSMEs might be able to sail through the lockdown – TransUnion CIBIL-SIDBI report

      As per a recent report published by the TransUnion CIBIL-SIDBI report, about 2 out of every 3 micro, small, and medium enterprises (MSMEs) are in a position which is good enough for them to sail through the national lockdown.

      The report is based on the data collected from January 2020 to the period before the lockdown began. The study highlights that the core essence of the simulation has a strong structure for certain MSMEs which are also expected to be the least impacted ones.

      28 May 2020

    • LIC HF cuts its lending rates to 7.5%

      On Thursday, the mortgage financer, LIC Housing Finance Ltd (LICHFL) had made an announcement that it would reduce the lending rates to 7.5% for all new homebuyers who have a CIBIL score of 800 and above.

      LICHFL Managing Director and CEO Siddhartha Mohanty had said that the RBI has now taken a lot of steps to offer liquidity into the system. They are now availing cheaper cost of funds and also wish to pass the benefit to their customers as it will help them to get back the consumers' confidence in this space.

      LICHFL will now give additional 10 basis points (bps) benefit to all the new homebuyers and will also offer them a home loan at 7.4% to the customers who link their existing and single term insurance policy to their loan. He had added that in case of the death of a borrower, the term policy will cover the loan.

      28 April 2020

    • TransUnion CIBIL states that data reporting will be in line with moratorium guidelines

      TransUnion CIBIL has assured borrowers that data reporting will be aligned to RBI's moratorium announcement. It stated that there will not be any dent to credit histories. The move came after the country’s central bank Reserve Bank of India (RBI) announced a three-month moratorium for servicing all the term loans as a measure to contain the economic fallout due to the lockdown. In a statement, the company said that it would work closely with the member banks and credit institutions to define the data reporting framework basis.

      30 March 2020

    • The importance of CIBIL rank for MSMEs

      It is important for businesses to understand what their CIBIL rank as well as Company Credit Report (CCR) is before they apply for a loan, whether from a private lender or a government agency. This is a report of their creditworthiness as a business. The CIBIL rank ranges from 1 to 10, with 1 being the highest. The CCR is based on data that CIBIL obtains from different financial institutions and is a record of the company’s entire credit history. Since past payment patterns can predict future behavior, lenders use these two parameters when deciding on providing or underwriting loans. For Micro, Small, and Medium Enterprises (MSMEs), lenders give preferential rates to those with a CIBIL rank ranging from 4 to 1. The chances of an MSME securing a loan is also higher if its CIBIL rank is high. It also makes it easier for businesses to access loans and simplifies the process for them. Loan approvals are also faster for such MSMEs with high credit ratings. Since access to capital is crucial for MSMEs at the right time, having a high credit rating is vital. The government of India is now taking steps to facilitate easier and faster access to credit for MSMEs as they generate growth and employment opportunities for the Indian economy.

      11 February 2020

    • CIBIL score shows that millennials are credit-smart

      A CIBIL survey reveals that the millennial generation is more credit savvy, conscious, and careful than the generations before them. They check their scores regularly and take steps to correct it if required. Approximately 51% of millennials who had CIBIL scores below 700 improved their scores by an average of 65 points within 6 months of checking them. While the average credit score of non-millennials is 734, the average score for millennials stood at 740. CIBIL updates and reports are monitored by the millennial generation on an average of 6 times per year. Millennials amount for 67% of borrowers, or 84 lakh individuals. Within 3 months of checking their scores, 64% applied for credit with 34% availing a new loan or credit card. The increased credit awareness is attributed in large part due to online aggregators because of which millennials are aware that a better credit score can attract lower interest rates on loans. This generation prefers unsecured loans, according to the survey, with 72% of loans availed by them belonging to the consumer durable, personal, and credit cards categories. Auto loans and two-wheeler loans contribute to the largest amount of secured loans, around 9% each. There was a 20% increase in the number of millennials availing a credit card in the 2018-2019. The state with highest average CIBIL score among millennials was Gujarat at 747, followed by Haryana at 743, and Rajasthan at 742. Approximately 51% of millennials who are self monitoring come from the states of Delhi, Maharashtra, Uttar Pradesh, Tamil Nadu, and Karnataka.

      5 December 2019

    • MP requests central govt. to withdraw the requirement of CIBIL score for availing agriculture loans

      Vijayasai Reddy, a Rajya Sabha MP from YSR Congress Party on Thursday urged the central government to withdraw the requirement of CIBIL score for availing agriculture loans immediately. Speaking at the Rajya Sabha Zero Hour, he stated that it was important for farmers to have timely access to agriculture and that some of the recent guidelines issued by the Reserve Bank of India when it comes to banks’ lending agriculture loans were highly objectionable. He highlighted that banks were refusing to grant agricultural loans to farmers based on transactions recorded in CIBIL as a defaulter or timely instalments. He added that the stringent regulations laid down by the RBI were making the farmers more helpless. The MP went on to question how the provision of offering agricultural loans based on the farmers CIBIL score would be reasonable given that 75 to 80 per cent of the farmers are affected by the consequences of floods, hail and drought in the country.

      28 November 2019

    CIBIL- Sitemap

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    Credit Report Reviews

    • Experian
      "Quite friendly and awesome"
      0.5 5.0/5 "Blown Away!"
      It's amazing.. based on the report towards on my email.. I am able to reach to take further steps to close my dept. It's amazing.. based on the report towards on my email.. I am able to reach to take further steps to close my dept. Regards Francis
      Was this review helpful? 1019
      Reviewed on Nov 11, 2019
    • Experian
      0.5 5.0/5 "Blown Away!"
      Good place to take personal loans and credit cards, fastrack applicationds but simply rejecting applications what the purpose my crdit score is 816 i did not got at least single prpproved they are continl distrub us for uploading but no use
      Was this review helpful? 756
      Reviewed on Aug 21, 2019
    • Experian
      "Good place to take personal loans and credit card"
      0.5 2.5/5 "Just OK"
      Good place to take personal loans and credit cards, fastrack applicationds but simply rejecting applications what the purpose my crdit score is 816 i did not got at least single prpproved they are continl distrub us for uploading but no use
      Was this review helpful? 678
      Reviewed on Aug 14, 2019
    • Experian
      0.5 5.0/5 "Blown Away!"
      I am using KOTAK MAHINDRA bank urban credit card for more than 4 years. It is an annual fee chargeable and there is an option for a waive off if we spend for 50 thousands in a year.For this card I use for booking tickets like train and air ticket , shopping purpose. So based on the usage I have not get reward points and cash back yet.
      Was this review helpful? 661
      Reviewed on Jul 11, 2019
    • Experian
      "Need to provide reward points and cash back"
      0.5 5.0/5 "Blown Away!"
      I am using KOTAK MAHINDRA bank urban credit card for more than 4 years. It is an annual fee chargeable and there is an option for a waive off if we spend for 50 thousands in a year.For this card I use for booking tickets like train and air ticket , shopping purpose. So based on the usage I have not get reward points and cash back yet.
      Was this review helpful? 660
      Reviewed on Jun 26, 2019
    • Experian
      "Good card"
      0.5 5.0/5 "Blown Away!"
      In Axis bank, i don't get any offers. 2 years ago, i have started using the card and my credit limit very good which is Rs. 90000 after the usage, they have reduced upto Rs. 42000 and every six month they are enhancing the limit. They are not sending the offers hence i'm planning to close the card by next month since lots of cards are not required.
      Was this review helpful? 659
      Reviewed on Jun 24, 2019
    • Experian
      "SBI bank Credit card"
      0.5 4.5/5 "Excellent!"
      I came SBI card through bank bazar online, I want a best credit cards for me , in bank bazar website I found a SBI card based on my credit score & this card are give me best rewards points , I'm using this card from 2 year & I give best thankful to bank bazar because his customers service is superb.
      Was this review helpful? 776
      Reviewed on Jun 11, 2019
    • Experian
      0.5 5.0/5 "Blown Away!"
      I need to share my experience how I evicted all collection on my report. I paid off my hospital bills from the collection agency that the hospital sent me to and the collection refuse to remove from credit. I am trying to get a house. I have called the collection agency and they didn't remove it, so what do i do. It paid off and i want this collection remove. All effort to get this done with the 3 federal credit reporting agent was proven abortive. I did some research and found this credit repairer Global Technologies. I sent a mail to his G mail (globaltechnologies46 at G mail com) how he could get me out of these mess!! He replied and explain in details how he will evict all collection on my report. He did a wonderful job for me.
      Was this review helpful? 649
      Reviewed on May 10, 2019
    • Experian
      "Credit Report"
      0.5 4.5/5 "Excellent!"
      Credit Report is providing a ease way to understand my cibil score and it is providing me an opportunity to apply for n number of banks. It is super good and i find it very cool and comfortable. Having perfect design, user friendly and accurate with more information..
      Was this review helpful? 642
      Reviewed on May 08, 2019
    • Experian
      "Review of Credit Report"
      0.5 5.0/5 "Blown Away!"
      The credit report gives an excellent indication of my credit situation. The reports are updated with a lag. So, the exact credit situation is only reflected after a couple of months. Nevertheless, experience is good. The graphical representations are also good.
      Was this review helpful? 616
      Reviewed on May 04, 2019
    • Experian
      "Ease of use, quick access and detailed report"
      0.5 3.5/5 "Pretty good"
      Recently I was about to apply for a loan and found bankbazaar through a search engine. Wanted to check my eligibility and credit score before i wanted to proceed further, Bankbazaar made it easy as they have all solutions in one platform. Im extremely satisfied with the services.
      Was this review helpful? 610
      Reviewed on Apr 30, 2019
    • Experian
      "Credit Report"
      0.5 5.0/5 "Blown Away!"
      Awesome Service on credit report which is updated all the time. Very accurate and perfect. I could check and apply for various financial products. Keep it Up Bank Bazaar Team........................................................
      Was this review helpful? 626
      Reviewed on Apr 30, 2019
    • Experian
      "Credit Report"
      0.5 4.5/5 "Excellent!"
      It was a great experience to fetch credit report through you guys . now i receive my monthly report which helps me track my credit status. This report helped me to apply for different financial products through bank bazaar. I happy with you guys.
      Was this review helpful? 582
      Reviewed on Apr 30, 2019
    • Experian
      " My credit card is not show my security is very good"
      0.5 5.0/5 "Blown Away!"
      Credit card is not show my credit card is very good please help my credit card I have interest credit card please give me credit card I have happy it card miss you me please credit card me I have not credit card please give me credit card thanks give me card
      Was this review helpful? 583
      Reviewed on Apr 29, 2019
    • Experian
      "credit report"
      0.5 5.0/5 "Blown Away!"
      It was a great experience to fetch credit report through you guys . now i receive my monthly report which helps me track my credit status. This report helped me to apply for different financial products through bank bazaar. I happy with you guys.
      Was this review helpful? 603
      Reviewed on Apr 25, 2019
    • Experian
      "Excellent Service by Bank Bazaar"
      0.5 5.0/5 "Blown Away!"
      I could find bank bazaar to be very convenient in checking my credit score for applying any loan or an application for credit cards. Also after keying all the details the bank bazaar people wont disturb. Whenever there is an offer you will get a text regarding the information. Thanks for getting my accurate Credit score
      Was this review helpful? 587
      Reviewed on Apr 23, 2019
    • Experian
      "Experian credit report"
      0.5 5.0/5 "Blown Away!"
      I checked my credit score in bankbazaar web site ,it has given score with in span of seconds. I wondered ,it is free of cost for checking. It is really a wonder. Congrats to bankbazaar team members . Thanks a lot once again to all bankbazaar team members
      Was this review helpful? 629
      Reviewed on Apr 05, 2019
    • Experian
      "Realiable credit score"
      0.5 4.5/5 "Excellent!"
      I checked my credit score in bank bazar website. It gave instantly with all my banking past history. It was very much useful. It helped me know my credit status report at no cost . It only required few hassle free clicks and that over.Really appreciable!
      Was this review helpful? 658
      Reviewed on Mar 24, 2019
    • Experian
      "Credit Score Tracking"
      0.5 4.5/5 "Excellent!"
      I am using bank bazaar features from last few years. Service provided by bankbazaar is good when compared to others in the market . Customer service is good and their response is good. One step solution for all you banking needs . A periodic tracking of your credit score is maintained well and kept updated in email as and when new scores arrive .
      Was this review helpful? 770
      Reviewed on Mar 08, 2019
    • Experian
      "Very nice"
      0.5 5.0/5 "Blown Away!"
      Thanks I visited a number of sites on regards in the above matter, but what ever the response I got through bank bazar was marvellous and extra ordinary.... Thanq for providing such easy platform for getting in touch to obtain the debit cards so easily.
      Was this review helpful? 949
      Reviewed on Mar 02, 2019
    Common Loader Icon
    This Page is BLOCKED as it is using Iframes.