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  • Check Your CIBIL Credit Score

    CIBIL stands for Credit Information Bureau (India) Limited. It is the first credit information company in India, established in August 2000. The company collects and maintains credit records of individuals as well as commercial entities. This includes borrowing and payments related to loans and credit cards.

    CIBIL obtains this information with the help of its associate partners which include members of banks and credit institutions. Information is provided to CIBIL on a monthly basis based on which CIBIL prepares a Credit Information Report (CIR) and CIBIL credit score of an individual. This report is then provided to credit institutions, when requested, to help them evaluate and approve loan/credit applications.

    CIBIL plays a major role in India’s financial system by helping banking institutions better manage their business and be helping customers secure credit on fair terms. CIBIL is also referred to as the Credit Bureau. It is licensed by the RBI and governed by the Credit Information Companies Regulation Act, 2005.

    A CIBIL credit score is a three digit numeric summary of your entire credit history. It is prepared based on the information provided in your Credit Information Report. The credit score normally ranges between 300 to 900.

    Why is knowing CIBIL Credit score important?

    CIBIL plays a major role in loan application and approval processes. Without a satisfactory CIBIL score, you may not be eligible for many loans.

    After you fill and submit your loan application form, a bank will first check your credit score and credit report. If you have a bad credit history and a low credit score, the bank may outrightly reject your loan application. Only if your credit score is good will a bank consider your loan application and pass it through for approval.

    CIBIL credit scores are the deciding factor for many banks when it comes to considering your application. The higher the score, the higher the chance your loan application will be reviewed and approved. However, the decision to approve your loan application is completely dependent on the bank; CIBIL as an institution does not play any role here.

    How to find your CIBIL Credit Score

    Find your CIBIL credit score within a few minutes in three simple steps!

    To get your CIBIL Credit Report, you will need to fill the ‘CIBIL online credit score request form’

    Step 1: select from the following subscription plans:

    Bi-Annual Subscription - 2 Score Reports (Rs.800)

    Quarterly Subscription - 4 Score Reports (Rs.1200)

    Step 2: Enter your PAN, email address, date of birth and select your gender

    Step 3: Input the displayed characters in the given box

    Step 4: Tick on the box before ‘I acknowledge and accept the Terms and Conditions applicable and available on the site.’

    Step 5: Click on ‘Proceed to Payment

    Once the payment is made, you will be redirected to an authentication page. Here, you will need to answer 5 questions related to your credit history. Answering at least 3 correctly will authenticate your identity. You will receive the credit report within 24 hours in your email address.

    If authentication fails, you can send a hard copy of the application duly filled out along with your address proof and the id generated by CIBIL. You will then receive the credit report by post at the address provided by you.

    Note: Be advised to obtain your credit reports and credit score personally rather than getting it done through a bank. Enquiries from bankers and other financiers will negatively impact your credit score.

    Advantages of a Good CIBIL Score

    Ideally, a CIBIL score of 750 and above is good enough to make you eligible for a credit card or a loan. Here are some of the benefits of having a good CIBIL score:

    1. Eligible for loan: A higher CIBIL score makes you eligible for getting a loan from lenders like banks and non-banking finance companies (NBFC).
    2. Discount on interest rate: With a high CIBIL score, you are in a position to negotiate for better interest rate for your loan. In some cases, the lenders will also come forward and offer your a discount on interest rates.
    3. Faster loan approval: A healthy CIBIL score paves the way for quicker loan approvals from lenders as your score speaks volume of your financial status. Lenders might also offer you a pre-approved loan or a credit card without annual fees.
    4. Position to negotiate for better deal: A high credit score means you have a low credit risk and therefore you are less likely to default payments. Banks also offer preferential pricing to consumers who have a high CIBIL score.
    5. Higher credit limit on credit cards: CIBIL scores of 750 and above suggest that you have been a responsible borrower and have been managing credit in a consistent way. Therefore, you become eligible to get credit cards with higher credit limit. Lenders will be willing to offer your credit cards with a higher limit owing to a high CIBIL score.
    6. Credit card with better benefits and rewards: Along with a higher credit limit, you can also get credit cards with better benefits and reward points. You can get access to premium credit cards that offer benefits ranging from lounge access to travel miles.
    7. Loans with longer tenure: Another advantage of a high CIBIL score is that you are in a position to request for a loan tenure that is for a longer period. With a high credit score you can bargain for a 7-year car loan or a 25-year home loan

    What can affect your CIBIL Credit score?

    Mentioned below are a number of factors that may affect your CIBIL score.

    • Payment history: Your payment history plays a major role in developing a good CIBIL record. Making late payments on credit cards or delaying/defaulting on your EMIs regularly can negatively affect your credit score, indicating that you are not serious about or capable of clearing your existing debts.

    • Increased credit limit: Increasing the current balance of your credit card may negatively affect your credit score since it is considered to enhance your repayment burden. However, increased spending on your credit card does not affect your credit score as long as you’re credit utilisation is in proportion to your credit limit.

    • Unsecured loans: A high percentage of unsecured loans such as personal loans and credit cards may affect your credit score. A balanced combination of secured and unsecured loans adds positively to your credit score.

    • Multiple loans & Credit Cards: If you have multiple loans, credits cards and new accounts, this may affect your credit score, and banks may review your loan application more carefully.

    In the cut throat financial world of today, maintaining a solid credit score is absolutely essential if you are on the lookout for credit - whether it is in the form of credit cards or loans. But, some people fall into bad financial habits, and due to little or no guidance, they let their score fall, and suffer the consequences. No longer, though. These tips can help them get their credit score back on track in about six months to a year.

    1. Good Score:
    2. A Credit Score of 750 and above is considered a good score. It’s not that you won’t get loans or Credit Cards with a lower score, but the terms might not be as favourable.

    3. Understand what it is
    4. Before you go on to do work on something, you need to know the hand you're dealt. Same is the case with improving your credit score. To start off, read up on credit score, that it is, how it is calculated, and how you can change your habits to make incremental growth happen with your score. This is the first and the simplest step you need to embark on. Go online, read some materials, and improve your understanding so that you can improve your credit score.

    5. Keep your debtor happy
    6. What we mean by this is, keep paying your loan or credit card EMIs on time. Never miss a payment, or don’t delay it for a later date. It is absolutely essential to be prompt with your EMIs, as it makes up up to 30% of your overall credit score. So, watch out and always be quick with making payments.

    7. Clear off bills on time
    8. Your credit card bills keep rolling in each month and you need to roll with it too and make regular payments and clear off a major chunk of it as soon as possible. The more to delay paying your bills, and the more you find your comfort with minimum payments, the harder your credit score falls. So, set a payment plan and stick to it. Always!

    9. Don’t take credit if you don’t need it
    10. The number of new loan accounts will have a bearing on how your credit score goes. So, next time if you hear some bank trying to entice you with an instant loan offer, step back and say no. These loans, while easy to avail, paints a poor picture of yourself to the credit information company. In that, you just jumped into a loan because it was offered to you. What you should do instead is only take a loan when it is essential.

    11. Say no to cash advance
    12. Cash advances are right there beckoning for you, Put in your credit card, type the pin, and voila! You’ve got it, right? Not so simple. Yes. Cash advances are way too easy to reach, but that doesn’t mean you have to avail it. Sure, you can do so if you think it is absolutely necessary and you have no other choice. But, there are better alternatives that going for a cash advance, as it can have a ripple effect on your credit score and can even affect it in the long run.

    13. Keep your oldest credit card alive
    14. You have an old credit card, but a bank offers you a brand new one with unbelievable benefits, so what do you do, close the old one and grab the new one? Wrong. The duration of your credit is also a major factor which determines your credit score. It actually makes up up to 20%, or so, of your credit score. So, keep the old accounts live and kicking.

    Keep these things in mind and work through it and you will have your credit score back on track within a year, and soon you will have banks lining up to offer you their credit facilities.

    How to Improve your CIBIL Credit score?

    Building your CIBIL credit score is not really hard, but it does require systematic planning and execution. Some of the best ways to improve your CIBIL credit score are mentioned below.

    • Know where you stand – The first step towards building your score is to know where you stand. Having an idea about your current position and preparing a target can help you work towards it. Checking this score can also help you determine if it is factual and identify any errors, if any. Immediate correction of errors could help in a quick increase of score.
    • Never delay payments – Procrastination is one of the harshest truths of our current world, with most of us falling prey to it. Delaying your bill payments, be it credit card or loan EMIs could see your score dipping, which makes timely payments a key role in maintaining a decent score. While a bank may be OK with ignore the first delayed payment, repeated delays could bring unwanted attention from their part.
    • Mix your credit – Just like variety adds spice to your life, variety in terms of credit can do a world of good to your credit score. A mix of secured and unsecured loans can reflect favourably on the score, with a varied portfolio preferred by most lending organisations. A skewed portfolio in favour of a particular type of loan (unsecured loan) could see your score taking a negative route.
    • Don’t max out your credit – In times where we want to enjoy things to the maximum, there is a high possibility for us to go overboard when it comes to our credit limit. Staying within the limit is bound to build your score, while exceeding it could come at a price. This shows lending agencies that you are not carried away and are a responsible individual who knows his/her limit.
    • Limit your cards/loans – A quick look at our wallets will show that a number of us have more cards than we need. While a problem of plenty is good in a few cases, owning too many credit cards can have its own drawbacks. Not only does it complicate credit repayment, but it also pushes us to spend more than we need, leading to debt in our life.

    Credit cards and other similar tools were designed to be an added benefit in our lives, but misusing any provision can throw things out of gear. Keeping a few simple pointers in your mind could ensure that you stay on the right financial track.

    FAQs Regarding Checking CIBIL Credit Score

    Q. Does being a guarantor for someone affect CIBIL credit scores?

    Yes, if you agree to be the guarantor for someone and they fail to pay the loan back in time, you become liable for it. This means that you might have to pay it back which will put an undue strain on your finances and may even cause you to default on it.

    Q. I paid my credit card off but the report shows outstanding balance. Why is that?

    CIBIL credit reports reflect only data that has been received by them from your creditors. If they have not been updated about your recent activity, it won’t show on your report.

    Q. I have a dispute regarding my CIBIL credit report. What do I do?

    If you have a dispute regarding your CIBIL credit report, you need to notify CIBIL about it in writing. Once they receive the grievance they will contact the creditors to confirm and redress the problem.

    Q. I have informed CIBIL about inaccuracies in my credit report. Will they correct it?

    No, CIBIL does not make any changes to the data they have on you. What they will do is to approach your creditors to get the latest information. If the creditors provide them with said information, they will update it else, they will take no action.

    Q. What happens if there is a problem with the payment gateway and I am charged twice?

    If you are charged twice while making payments using cards or net banking, then you should write to CIBIL. They will confirm the error and refund any extra amount that you may have been charged.

    Q. What do I have to keep in mind if I am paying via DD?

    The main thing to keep in mind is that there should be no mistakes on the demand draft and that it should be payable in Mumbai. If there are mistakes on the DD then the DD may be rejected and your application not processes till they receive the relevant payment.

    Q. Can I pay by cheque?

    No. You cannot pay by cheque. You can only pay via DD or online banking.

    Q. When should the payment reach CIBIL?

    The payment for your application must reach CIBIL within 30 days of applying for the report or you’ll have to apply again.

    News About CIBIL Credit Score

    • Bharti Airtel’s Credit Rating Affirmed at ‘BBB-’: Fitch

      Fitch credit rating company has affirmed Bharti Airtel's credit rating at 'BBB-' with stable outlook. The credit rating firm has cited the telecom major’s 31-33 per cent revenue market share despite intense competition and expectations of recovery in its mobile business, reported PTI. The credit rating stated in a statement that Bharti Aritel’s ratings are supported by its diversified and integrated business profile. The telecom company’s operations span across the mobile, fixed-line, digital TV, tower and enterprise sectors in India as well as mobile operations in 14 African markets. Fitch added that Bharti Airtel has held on to its Indian mobile revenue market share of around 31-33 per cent despite intense competition.

      Airtel’s ‘BBB-' ratings suggest the company has low risk of default at present. The capacity for payment of financial commitments is considered adequate, but adverse business or economic conditions are more likely to impair this capacity. However, the suffix minus indicates the company has chances getting its ratings downgraded. The credit rating agency expects recovery in Bharti Airtel's Indian mobile segment and continued growth in Africa and the enterprise segment. Fitch expects the company to further reduce debt through an equity issuance by its African subsidiary and the sale of a stake in its tower subsidiary. The rating agency said it expects Bharti Airtel to repay debt using the proceeds from an equity issuance worth USD 750 million by its African subsidiary and the stake sale in the combined Indus Tower and Bharti Infratel, both in second half of ongoing financial year. Earlier in February, Moody’s credit rating agency had downgraded Bharti Airtel’s to Ba1 from Baa3, the lowest in the investment grade.

      26 June 2019

    • CRISIL says, India spent Rs.50K crore on CSR

      A latest report from CRISIL Foundation, the CSR arm of credit rating agency CRISIL, suggests that Indian companies have spent Rs.50,000 crore for corporate social responsibility (CSR) in the four financial fiscals to 2018. The unspent amount is higher at Rs.60,000 crore during the same period underlining the need to improve the framework, added the report. According to the Companies Act, 2013, businesses with Rs.500 crore in annual revenues are required to set aside 2% of their profit for social good or affirmative action. The CRISIL report revealed that the cumulative spending from FY15-FY18 has topped Rs.50,000 crore and includes Rs.34,000 crore by listed entities. One third of the 1,913 listed companies which qualify for CSR spends did not spend the money due to multiple reasons. A total of 341 said they were unable to spend the money because of reasons like a delay in identifying projects and setting up the requisite in-house expertise. Meanwhile, 45 companies did not report CSR activity and annual reports for fiscal 2018 were not available for 118. An additional Rs 2,380 crore would have been spent last fiscal had all the listed companies spent the stipulated 2% percent of profit.  

      Majority of the spending by the companies for the CSR activities were in the education and skill development, followed by healthcare and sanitation. Meanwhile, national heritage protection and promotion of sports emerged as two areas with faster growth. Almost half of the spending companies based on their registered offices were from Maharashtra, followed by the National Capital region (NCR). 

      1 March 2019

    • Moody’s upgrades IDBI Bank’s rating post improved solvency

      Moody's Investors Service has upgraded IDBI Bank’s rating just days after LIC infused capital and picked up 51% stake in the lender. The rating agency has upgraded IDBI Bank’s long-term foreign currency senior unsecured rating and its Dubai International Financial Centre (DIFC) Branch to Ba2 from B1, up by two notches. IDBI Bank’s Baseline Credit Assessment is upgraded three notches up to b2 from caa1, Moody’s said, adding the outlook, where applicable, had been changed to positive from ratings under review. Earlier in 21 January 2019, IDBI Bank received Rs.5,030 crore capital from LIC after receiving Rs.14,500 crore in December 2018. Moody’s said that the upgrade in the rating is as a result of the improved solvency of the IDBI Bank following the completion of a significant capital infusion. The ratings agency stated that it estimates the bank’s CET1 ratio will be up 10% points, based on the bank’s risk weighted assets as of 30 September 2018. It further added that the capital infusion will enable the bank to increase provisions for bad loans, which when combined with stabilising asset quality, will result in lower credit costs and improve profitability in 2020. 

      23 January 2019

    • India’s Economic Growth Rate to Take a Hit Due to NBFIs Liquidity Challenges

      As a result of liquidity constraints faced by some non-bank financial institutions (NBFI), India’s economic growth rate will take a hit, according to Moody’s Investors Service. The global credit rating agency added that for the fiscal 2019 and 2020, the country’s economic growth rate is just above 7%. In addition, the agency said that the current situation with NBFIs will also tighten the overall credit supply. According to the Moody's Investors Service, liquidity constraints faced by some NBFIs, after the default of Infrastructure Leasing & Financial Services (IL&FS) in September 2018, will likely tighten overall credit supply in the country. Michael Taylor, a Moody's Managing Director and Chief Credit Officer for Asia Pacific said that any further distress in the Indian NBFI sector will pose significant downside risks to India's growth outlook. Moody’s statement also mentioned that India's NBFIs accounted for nearly 17% of total loans and one third of total retail loans in the fiscal year ended 31 March 2018.

      18 December 2018

    • Government meddling is a threat to central bank’s independence: S&P

      Global rating agency S&P has warned that the government’s constant meddling with the independence of the central bank will be disastrous. The RBI has always displayed independence and a robust institutional culture as compared to its regional peers. The global rating agency was stressing on the recent resignation of Urjit Patel as governor of the RBI. Former RBI Governor Raghuram Rajan, has also warned against the government’s move and stated that transfer of additional funds to the government can bring down the credit rating of the central bank. S&P also added that its  assessment of India's banking system continues to factor in its relatively weak governance and transparency. The global rating agency concluded stating that it is awaiting for the changes to banking system regulation at the next RBI board meeting in January 2019.

      18 December 2018

    • Financial Service Platform Cred Gearing up for the Launch in December

      Cred, a fintech platform launched by Freecharge co-founder Kunal Shah be available for users from December. The platform which rewards consumers for a high credit score has already raised $25 million (about Rs 177 crore) in funding from Sequoia Capital and Ribbit Capital. Cred aims to tap the consumers with a high credit score of 750 and above. The idea is to offer rewards and benefits to such users. The platform has already teamed up with a total of 30 brands including Airbnb, Cultfit, BookMyShow, Urban Ladder, Ixigo, CureFit, Furlenco, and FreshMenu, among others. Cred will source consumers via their credit card bill payments and reward following which the platform will use the base to develop high-end loyalty and concierge and other such services. The Cred platform which is currently in beta will be free for the consumers, however, merchants will have to pay a small fee. Shah says that there are millions of consumers who are not aware of the benefits of having a healthy credit score. The platform will help consumers with a high credit score and encourage them to continue the disciplined consistent repayment behaviour.

      29 November 2018

    • CASHe Targets Rs.800 cr Loan Book by Fiscal End: V Raman Kumar

      CASHe, a fintech startup has launched a unique credit rating system called SLQ (The Social Loan Quotient). The new SLQ platform will tap these individuals and help them avail credit by taking into consideration other parameters like his/her mobile, social and media footprint, education, remuneration, career and financial history. V Raman Kumar, Chairman and CEO of CASHe revealed that the company is processing more than 30,000 loans in a month on an average. Our total loan book is around Rs 460 crores and we have targeted to achieve Rs.800 crore by the end of this fiscal. CASHe aims to target the individuals who do not have a credit history. The real-time platform leverages big data analytics, Artificial Intelligence (AI), and predictive tools to compute the creditworthiness of individuals. The platform analyses unstructured data from social media profiles, mobile data, KYC documents to provide the users with a system that will continuously update a borrower’s credit worthiness. He further added that the digital lending market in India is at around $75 billion. It is expected to hit around $1 trillion in the next five years, according to the latest study conducted by BCG. CASHe recently partnered BankBazaar to offer its short-term personal loans. Bankbazaar’s online financial platform will now have an easy access to instant short-term credit facility from CASHe via ts multiple loan options ranging from Rs.10,000 to Rs.2 lakh payable over 15, 30, 90 days and 180 days.

      23 August 2018

    • Credit Score can Affect your Housing Costs

      Your credit score has become quintessential in estimating the costs that your home loans and mortgage could incur. LendingTree, an online finance centre, suggests that a person with a credit score of 740-799 can save up to $29,106 more than someone with a score of 580-669. A higher score reflects on your ability to pay back your debts on time. This encourages banks and other financial institutions to lend you credit more easily. A lower credit score pushes them to either impose a higher rate of interest or demand a higher amount of deposit that must be paid in advance. On the other hand, a borrower with a good score has more chances of availing exemptions from charges like, filing and overnight fees. It is recommended that the would-be borrowers clear off existing debts on time and not open or close any credit cards right before applying for a loan.

      2 August 2018

    • Here's how many credit cards people with excellent credit scores have

      A credit score is a numeric representation of an individual’s creditworthiness. It is calculated after considering your repayment behaviour and credit history. The way you handle your credit accounts is more important than the number of credit cards you have. If you one credit card and you showcase a responsible repayment behaviour, you will have a good credit score. On the other hand if you have 5 credit cards and if you don’t pay the bills on time and don’t clear off your dues, you will end up having a low credit score. Having multiple credit cards affects your credit score in marginal ways. A credit score of 750 and above is generally considered as ideal by banks and non-banking finance institutions.

      Here are some steps that will help you maintain a healthy score:

        Get a new credit card: When you get a new credit card, it gives you extra credit that can be used to build your credit history. Utilization of your credit plays an important role in measuring your credit score. Having more cards can increase your total available limit, reducing your balance-to-limit ratio, which can positively affect credit scores.

        Don’t close old accounts: It may not be a wise thing to remove or deactivate old accounts or accounts with negative history from their credit report. Also, removing old debts from the report after paying them off affects your credit score. Getting old accounts removed may harm your score a lot as they may have a good repayment history. Record of paid your debts should be kept in your report as they help in improving your score..

        Maintain a low utilisation ratio: The amount of credit that is available to you as against how much of it you are using shows your dependency on the credit money. It is advisable that you should keep your credit utilization below 30%. So, if you have multiple credit cards, keep a check on how much money you are using on credit.

      When you apply for a new credit card try and negotiate to get a higher credit limit and additional benefits and rewards. Make sure to keep a tab on all the annual and additional fees before getting the credit card. Finally, at the time of applying for a credit card, make sure you are getting all the benefits that you will actually need.

      23 July 2018

    • 5 Things to Consider Before Taking Out Personal Loan

      More and more people are now taking a personal loan as they come in handy when you are planning a vacation or need it during an emergency. Several banks are ready to offer a pre-approved or an instant loan to its customer. Personal loans are unsecured loans where the borrower does not have to provide a security or collateral to the lender in order to get the loan.

      Here are some of the top things you need to consider before opting for a personal loan:

        Consider your need for the loan: First and foremost understand the real requirement for your personal loan as you will be entitled to pay certain the EMI every month. It is important that you evaluate the need thoroughly before applying for a loan. Make sure you are aware of your monthly expenses as the EMI will be an additional payment every month.

        Know your credit score: Your credit score plays an important role especially when you are applying for a loan. Check your credit score before applying for a loan as it will give you an idea whether the bank will approve your application or not. Play credit card dues if there are any immediately as it depicts an irresponsible repayment behaviour. All the unpaid dues will reflect in your credit history. A good track record of repayment track and a higher credit score will ensure quick approval of loan at a lower rate of interest.

        Calculate your EMI: As personal loans are unsecured in nature, they come with a higher interest rate depending on your profile and your repayment capability. Use tools like online EMI calculators to get an idea of the monthly amount that you need to pay. It is important to pay the EMIs on time to avoid penalty. Once you know the EMI amount, be honest to yourself as only you can understand your repayment capability. Do not take the loan if you will not be able to pay the EMI.

        Look out for cheaper interest options: Always negotiate with banks for cheaper interest rates while applying for a loan. Look out for several options as there might be lenders who are offering loan at a lower interest rate. Moreover, make sure to pay an extra attention to the tenure of the loan. If you would like to pay EMI on personal loans for a longer duration, then opt for a loan which gives you the flexibility to pay in that manner. Also, be careful not to apply to check the interest rates as this will result in hard enquiries and affect negatively on your CIBIL score.

        Read loan documents carefully: It is extremely important to check and understand the loan document entirety, to know what are the types of charges, fees and penalties for non repayment. This will help you be prepared in case of delayed payments. You must be careful and not trust the bank personnel blindly as he might not make you aware of some important details.

      It is crucial to take into consideration the aforementioned points before applying for a loan.

      15 June 2018

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      Was this review helpful? 89
      ,
      Reviewed on Apr 30, 2019
    • Experian Credit Report
      "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? 82
      ,
      Reviewed on Apr 30, 2019
    • Experian Credit Report
      "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? 74
      ,
      Reviewed on Apr 30, 2019
    • Experian Credit Report
      " 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? 72
      ,
      Reviewed on Apr 29, 2019
    • Experian Credit Report
      "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? 80
      ,
      Reviewed on Apr 25, 2019
    • Experian Credit Report
      "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? 77
      ,
      Reviewed on Apr 23, 2019
    • Experian Credit Report
      "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? 102
      ,
      Reviewed on Apr 05, 2019
    • Experian Credit Report
      "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? 110
      ,
      Reviewed on Mar 24, 2019
    • Experian Credit Report
      "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? 122
      ,
      Reviewed on Mar 08, 2019
    • Experian Credit Report
      "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? 112
      ,
      Reviewed on Mar 02, 2019
    • Experian Credit Report
      "Good service"
      0.5 3.5/5 "Pretty good"
      I am using the services of bankbazaar from last 1 year. I checked my credit score using the mobile app which was user friendly and easy to use. Customer service was good and their response was on time. I found all the information at one place on the mobile app.
      Was this review helpful? 130
      ,
      Reviewed on Feb 26, 2019
    • Experian Credit Report
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      I have been using the services of bankbazaar from last 5 months. Customer service is fine with bankbazaar and their response was prompt. The website of bankbazaar was easy to use and was user friendly. It was easy to fill the details and check the credit score.
      Was this review helpful? 137
      ,
      Reviewed on Feb 26, 2019
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