Credit Report

Last Updated 09th Jul 2020

Check Credit Score Online

Estimate your CIBIL Score online free, based on your past repayment record of personal loans, home loans, auto loans and credit cards using MyLoanCare calculator.

  • Get detailed credit report with free credit analysis
  • Track your credit score regularly and view free monthly updated report at MyLoanCare
  • Know your loan eligibility and opportunities to get lower rates
  • Check your credit score for free at MyLoanCare
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Check Credit Report Online

Credit Score is a three-digit number ranging from 300 to 900 that depicts your credit behavior based on past track record. A high score means you repay all your debts on time and can easily get a loan whereas a low score means default in payments and reduce your chances of getting a loan.

  • Check Experian credit report for FREE at MyLoanCare
  • Know the factors affecting your credit score
  • Monitor your credit score on a monthly basis
  • Know your eligibility to get lower interest rates on loans

Credit Report

The government has declared that the customers will get one free credit report from 1st January, 2017. This rule is applicable for all the credit bureau including CIBIL, Equifax, Experian and CRIF High Mark. The customer can check free credit score and report online at the websites of respective credit bureaus. However, each credit bureau has a different process and format of providing online credit report. Further, the report is available only once a year and some bureaus publish shorter and concise version of the report, rather than providing complete credit report to the customers.

Experian Credit Report

Free Experian Report from MyLoanCare

  • Click on “Free Credit Report".
  • Provide all your personal details like name, email, date of birth, residence city and occupational details like PAN number, net monthly income and company name to help us verify your identity and pull out the free credit report.
  • Your credit score and report will be displayed immediately. You can download the PDF and get the report on your email id.
  • Your credit information report will include your personal information, account information, current outstanding, opportunities for lower rates and tips to improve your score.
  • You will get monthly updates on your credit score and check your updated score by logging in at MyLoanCare.

MyLoanCare has made it convenient for you to check the credit score and know your loan eligibility. You will get loan or credit card offers based on your credit score. A score above 650 will have more chances of loan approval and get loan at lower interest rate. However, a credit score below 650 will mean a lower eligibility and difficulty in getting a loan and low interest rates

Paid Experian Report

  • Visit the Experian website and select ‘Get your credit report’ option.
  • Your email id will be verified by sending a unique transaction id.
  • Now, pay Rs. 399 either through net banking or debit/credit card.
  • A list of questions will be asked related to credit history such as number of credit card you have or about loan accounts. These are done for authentication process.
  • Finally, the credit information report and credit score will be displayed immediately. Also, the PDF report will be sent to your email id.

CIBIL Report Online

Free CIBIL Report

Login to CIBIL website and click on ‘my Account’, if you are already a member of CIBIL. Then, click on ‘Get Free Score and Report’ and check instantly your credit report for free of cost once in a year. If you are a new user, then visit CIBIL website, choose ‘Get your free annual score and report’ and register yourself. Now, you can check the credit score immediately without any charges.

However, if you have already availed the benefit of free CIBIL score check and want another report within a year, you have to make a payment of nominal fee amount. You can get the credit score on email after the authentication and payment is done.

Paid CIBIL Report

Login to the CIBIL website and fill the application form by providing personal details and click on the ‘submit’ option. To get an annual report, you have to make a payment of Rs. 550 either through net banking or debit/credit card. Once the payment is confirmed, the next step is of authentication where you have to answer 3 out of 5 questions based on credit history. If the verification and payment process are successfully done, the score will be sent to your email id within 24 hours.

The process of checking report online is quick and convenient for you. A score of 750 is considered trustworthy by lenders for providing a loan.

Equifax Credit Report

Free Equifax Report

  • In order to check full free credit report, you have to download the Equifax App from Google Play store or from iOS App store.
  • Open the application and enter your email id. You will receive a temporary pin. Use it for login to Equifax account.
  • The next step is verification process. Give all your details and aadhaar card number to validate the identity.
  • A one-time password will be generated. Enter the OTP and proceed further.
  • Now, provide all your personal information and answer three questions based on credit history.
  • After the authentication process is confirmed, the full free credit report will be sent to your email id within 24 hours.

In case you don’t have smart phones or aadhaar card number, you can also get free credit report by emailing at with a scanned copy of application form, address proof and identity proof.

Paid Equifax Report

You can check the quarterly credit report by paying an amount of Rs. 138 (including taxes). The steps include:

  • Visit Equifax website and fill up all the personal details.
  • Also, attach the scanned copy of identity proof, address proof and demand draft of Rs. 138 and mail it to the email id

CRIF High Mark Credit Report

Free CRIF High Mark Report

  • Login to CRIF High Mark website and click on ‘Get your free personal credit report’ option.
  • Select the ‘Get your score now’ tab and enter your email id.
  • Fill up the form by providing required details and click on ‘Submit’ button. A mail will be sent on your email id with steps to proceed further.
  • Now, you have to answer few questions related to credit history.
  • The information provided by you will be authenticated. The company takes around 2 days to verify the details.
  • After the verification is confirmed, a free credit information report will be delivered to your email id within a day.

FAQs on Credit Report and Score

How many credit bureaus are there in India?

There are four credit bureaus in India that can help you check your credit score based on past repayment history of your loans and cards. These 4 credit bureaus are CIBIL (Credit Information Bureau India Limited), Experian, Equifax, and CRIF High Mark.

What is the highest credit score in India?

The credit score ranges from 300 to 900 in India. If you have made all your loan and credit card payments on time, then you can achieve the highest credit score. The higher the score, higher the chances of loan approval.

What is the process for raising dispute in Equifax report?

The steps required for raising dispute are as follows:

  • In order to register dispute, visit the Equifax website dispute section and fill up the consumer dispute resolution form.
  • Now, enter the credit report number. Mention the account information and select the section of dispute.
  • The dispute will be accepted and their team member will revert back on your email id.
How to contact Experian if I want to raise dispute related to credit report?

You can email at or contact on phone number 022-6641-9000. The customer care executives are ready to solve your discrepancies and issues.

For how many times can I avail the benefit of free credit report through Experian?

You can avail the benefit of free credit report once in a year. After that you have to make a payment of nominal amount for Rs. 399.

How to contact CRIF High Mark if my details are not being verified?

You can send a mail from your registered email id to You can also contact at 020-6705-7878 for any further queries.

What is a good Experian credit score in India?

Experian credit score ranges from 300 to 900. In India, or anywhere for that matter, a good credit score is considered to be above 700.

How do I get my Experian credit score for free?

Experian provides one free credit report every 12 months. You can visit their website and fill in the required details to get one credit report for free. Alternatively, you can get more than one free Experian credit score through Fintech websites which are providing free credit score service in partnership with Experian.

Our News - Jul 2020
*Terms and conditions apply. Credit at sole discretion of lender subject to credit appraisal, eligibility check, rates, charges and terms. Information displayed is indicative and from collected from public sources. Read More
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