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  • Steps to Generate Free Credit Report and Check your Credit Score

    A Credit Report is a comprehensive and detailed statement of an individual’s history with regard to his activities in the credit market. Credit agencies track all of his/her activities and equate it to a number between 300 and 900. This number helps lenders determine the risk factor of loaning money to a particular creditor. Generating a report directly from a credit agency can cost you close to Rs.1000 on average. Here’s how you can generate yours for free on Bankbazaar.com.

    • Log into https://www.bankbazaar.com
    • Click on ‘Get your FREE Credit Score’ seen on the homepage
    • If in case you don’t see it on the homepage, click on the menu dropdown on the top, right hand corner of the site and click on ‘Credit Score’
    • The site will then prompt for your gender. Click on your gender
    • You will then be asked to provide your age. Select your age, click on the month and year, followed by the date
    • Next, you will have to select the city you reside in
    • You’re only a few steps away. Select on the company you work for from the list provided or simply type in the name of the company
    • Mention your monthly salary after excluding all the deductions
    • Fill in your personal details
    • You will then be sent an OTP in your mobile phone. Type in the OTP in the space provided
    • Enter your PIN code followed by your PAN card details and wait for the site to fetch your credit score
    • You will then see your Credit Score with the detailed credit report sent to your e-mail ID

    One must note that all the information provided to Bankbazaar will be kept confidential and the credit score will not be affected by requesting for it by following the above mentioned steps.

    Why Credit Report is Important?

    Credit report, managed by credit information bureau India (CIBIL), It shows your creditworthiness. CIBIL is one of the leading and erstwhile credit information companies that collects and maintains credit information of residents.

    Higher the Credit Score, more favorable it is to get a loan or a credit card application approved. The credit reports are generated by CIBIL based on the credit information that is collected by banks and financial organizations on a regular interval.

    Importance of Credit Report

    CIBIL is also popularly known as TransUnion CIBIL limited. When you apply for a loan or a credit card, the banking as well as non-banking financial organization look into the Credit Report prepared by CIBIL. Based on the report, the lenders either approve a loan or reject it.

    If the credit score is higher, chances of a loan getting approved at a favorable tax amount is higher. But, if the credit score is below 700, the report reflects defaults and the interest rate on the loan may be higher. A loan application gets rejected if the score is below 500. This shows multiple defaults and poor credit transactions.

    Guidelines to Achieve a Good Credit Score

    Building a pleasing CIBIL Score involves multiple factors and is primarily based on credit history. Below mentioned are the few important factors that can accelerate the credit score:

    • Pay all your credit card dues and EMIs on time to keep the outstanding debt in control
    • Restrict multiple credit card enquiries as it may project you as credit hungry and plummet your credit score
    • Clear all the credit card balance on-time as this significantly enhances the credit score
    • Maintain a lower credit rating as the usable credit versus how much you are using greatly influences your credit score.
    • Never close your old credit card account as it improves your Credit Score

    How to Check CIBIL Score on BankBazaar’s website?

    Checking the credit score, using bankbazaar’s free credit score app is easy. Follow the below mentioned steps to check your credit score:

    • Visit the bankbazaar’s website that is
    • Click on ‘Get your FREE Credit Score’ tab on the homepage
    • If in case you don’t see it on the homepage, click on the menu dropdown on the top, right hand corner of the site and click on ‘Credit Score’
    • The site will then prompt for your gender. Click on your gender
    • You will then be asked to enter your age. Click on the month and year, followed by the date
    • Next, you will have to select the city you reside in
    • You’re only a few steps away. Select on the company you work for from the list provided or simply type in the name of the company
    • Mention your monthly salary after excluding all the deductions
    • Fill in your personal details
    • You will then be sent an OTP on your mobile phone. Type in the OTP in the space provided
    • Enter your PIN code followed by your PAN card details and wait for the site to fetch your credit score
    • You will then see your Credit Score with the detailed credit report sent to your e-mail ID

    Insights on Credit Report, Credit Score, and Credit Rating

    Credit score, credit report and credit rating are three inter-related terms. And, so many a times, individuals misunderstand the subtle difference between each other. Mentioned below are the differences in detail:

    Credit Report Credit Score Credit Rating
    • The past record of repayment schedules of credit card bills and loans are reflected in a credit report
    • A good credit report results to a higher credit score. The good credit report proves that you were good at managing the pending debts
    • Normally, a credit report holds the information for nearly 5 years, and later gets replaced by fresh entries
    • A 3-digit number that is generated statistically and ranges from 300-850
    • The credit score varies depending on how well your manage your pending debts of loan and credit card bill
    • Scores closer to 800 adds value to your loan application, while credit scores below 600 increases the chances of a loan getting rejected
    • This is a broader term, it reflects the credit worthiness of a government, country and organization
    • It is marked with grades such as AAA, BB, B++. Credit. The good credit rating aids a company to raise funds at lower rate
    • Credit ratings alters when the industries or companies performance change

    FAQs on Credit Score & Credit Report:

    1. Can everyone access my credit score?
    2. No, CIBIL Score is kept absolutely confidential and can be only accessed by few authorized bodies apart from you. Moreover, the authorities can only access the credit report if you apply for a loan. Under any circumstance, they are not permitted to disclose the information to a third party.

    3. Can I check CIBIL score by using PAN Card?
    4. Yes, you can always check your credit score or credit report with permanent account number (PAN). In India, for most of the financial transactions, PAN card can be used.

    5. Does CIBIL offer free credit score?
    6. The credit bureaus of India offers free credit report once in a year as per the RBI’s directives.

    7. Why financial organizations and lenders compulsorily check CIBIL score before approving a loan?
    8. Banks and financial organizations wants to verify the repaying capacity of a borrower as lenders does not want to lose their money. In case, the credit report is poor, the chances of defaults are higher. So, maintain a good credit score.

    9. Why does a closed credit card’s report gets reflected on the credit report?
    10. Lenders present the credit report to CIBIL after regular intervals and that is why at times not so old details are reflected on the credit report. Moreover, such cases may take place in case there are identity theft.

    11. How is the CIBIL score calculated?
    12. CIBIL score is calculated based on the multiple factors. The calculation is done by using complex statistical model that is proprietary business secret between CIBIL and TransUnion.

    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 Credit Report
      "nice"
      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? 59
      ,
      Reviewed on Aug 21, 2019
    • Experian
      Experian Credit Report
      "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? 58
      ,
      Reviewed on Aug 14, 2019
    • Experian Credit Report
      "CT"
      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? 98
      ,
      Reviewed on Jul 11, 2019
    • Experian Credit Report
      "Test Review For CT"
      0.5 4.5/5 "Excellent!"
      OEJHPNETVIWEVVHZFYBHEFWQZAUGPYNLVKXOHPEMZTXMAFHKVUFHMPSEKUFQRIWHKEUVYPFMHCKHQGOSJXJXQPVGYOJRCCKRRSNWLGVLRJBSRLIJLJVZTOWCGGFLBBXJWDUDWATLCKBNABXLPGDZGSTTIXIUVWUTPZQBMWFMPUQPQRGZQGLBDJHYEGQHACNJEJKHQNRGQBGEKYPQQC
      Was this review helpful? 107
      ,
      Reviewed on Jul 04, 2019
    • Experian Credit Report
      "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? 119
      ,
      Reviewed on Jun 26, 2019
    • Experian Credit Report
      "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? 111
      ,
      Reviewed on Jun 24, 2019
    • Experian Credit Report
      "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? 130
      ,
      Reviewed on Jun 11, 2019
    • Experian Credit Report
      "CREDIT REPAIR "
      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? 137
      ,
      Reviewed on May 10, 2019
    • Experian Credit Report
      "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? 166
      ,
      Reviewed on May 08, 2019
    • Experian Credit Report
      "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? 162
      ,
      Reviewed on May 04, 2019
    • Experian Credit Report
      "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? 167
      ,
      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? 156
      ,
      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? 148
      ,
      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? 147
      ,
      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? 156
      ,
      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? 155
      ,
      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? 180
      ,
      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? 187
      ,
      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? 200
      ,
      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? 191
      ,
      Reviewed on Mar 02, 2019
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