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
Step 1: Go to https://www.cibil.com/freecreditscore/
Enter the following details and click on ‘Submit’.
Step 2: You will have to enter your address details next and submit again.
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.
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.
Step 5: You will receive an email with the login password.
Step 6: Enter your email id and the login password that you have received in your email.
Step 7: You will be asked to choose a new login password.
Step 8: Login with the new login password and check your personal details again.
Step 9: On submitting your details you will get your 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.