Navigating the maze that is personal finance

Thursday, 28 December 2017

Get your free credit report from CIBIL in India – online


As I mentioned in a previous blog, the Reserve Bank of India (RBI) has mandated that that effective January 1, 2017, all Credit Information Companies (CICs) shall provide access, upon request and after due authentication of the requester, to a free full credit report (FFCR) once in a calendar year to individuals whose credit history is available with the CIC.  In that blog, I had listed the steps needed to get the report from CIBIL using snail mail. This blog will help you get your free credit report from CIBIL India online. 

Steps to get your free credit report in India from CIBIL online

Enter the following details and click on 'Submit'. 

Enter your name and other details
Step 2: You will have to enter your address details next and submit again. 

Enter your address details

Step 3: You will be send to a page which asks you to subscribe to the reports. Click on ‘No Thanks’ since we want a free credit report.

Optional subscription screen
Step 4: You will be sent to a page in which you will have to enter some details about your existing loan, credit card, etc. Since my details were already available with CIBIL I got the following screen.
Authentication screen

Step 5: You will receive an email with the login password. 
Email with password

Step 6: Enter your email id and the login password that you have received in your email. 
Enter temporary password
Step 7: You will be asked to choose a new login password. 
Change your temporary password

Step 8: Login with the new login password and check your personal details again.
Enter personal details again

Step 9: On submitting your details you will get your credit report.  
Your free credit report
In conclusion

It is very easy to get your free CIBIL credit report online now. Just follow the steps to know your score. Remember, you will get access to a new report every year so make use of this wonderful facility.

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1 comments:

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