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Credit Score

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A credit score is a measure of your creditworthiness. It can range from 300 to 900 points. A CIBIL/ Experian score over 700 points makes you eligible for preapproved loans and credit cards. You can instantly pull out your credit report online and check your credit score and rating.

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Get free credit report & credit score in just a few clicks. Input your name, phone & email to check Experian score. The process is protected by OTP. Along with credit score, you can also check a list of preapproved home loans, personal loans and credit cards for your profile.

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    Check your Experian credit score 24X7. Protect yourself against identity thefts, bank reporting errors & poor credit rating.

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    Get free & unlimited access to your complete credit information report. Analyse your credit history & improve your credit score.

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    Check your latest credit score instantly online and get access to the list of preapproved loans & credit card offers for your profile.

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    CIBIL Score Calculator

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    Learn more about Credit score

    A Credit Score is a numerical representation of one’s credit health. A Credit Bureau keeps track of an individual’s credit history and credit behaviour and prepares a credit report reflecting their credit score and rating. A credit score is universally accepted as a measure of credit worthiness of an individual or a business. Generally Credit Score ranges from 300 to 900. Higher is the credit score, better is your credit eligibility.

    To make informed financial decisions, it’s crucial to know your credit score. Here’s a detailed breakdown of how you can check your score without incurring any charges:

    • Visit the Official Website of a Credit Bureau: India has multiple credit bureaus, each offering a variant of the credit score.
    • Register for a Free Account: New users will typically need to create an account. This ensures your data remains private and secure.
    • Enter Your Personal Details: Details such as your name, date of birth, PAN number, and more might be required.
    • Complete Identity Verification: This step is to ensure security. You may have to answer questions about past loans or credit cards.
    • Access Your Credit Score: Once verified, you can view your score. Some bureaus also provide a comprehensive report.

    CIBIL scores can range from 300 to 900, with 900 indicating highest creditworthiness. Your credit score can fall within a certain range:

    • 300-579: Poor – Borrowers in this range are often considered risky. They may face higher interest rates or even rejections.
    • 580-669: Fair – These borrowers might get credit, but not at the best rates.
    • 670-739: Good – A good score generally leads to favorable interest rates and loan terms.
    • 740-799: Very Good – Borrowers can expect better-than-average rates and terms.
    • 800-850: Excellent – This is the gold standard. Borrowers in this range get the best rates and terms.
    CIBIL Score Range Category Meaning
    300-579 Poor Borrowers in this range are often considered risky. They may face higher interest rates or even rejections.
    580-669 Fair These borrowers might get credit, but not at the best rates.
    670-739 Good A good score generally leads to favorable interest rates and loan terms.
    740-799 Very Good Borrowers can expect better-than-average rates and terms.
    800-850 Excellent This is the gold standard. Borrowers in this range get the best rates and terms.
    Transunion CIBIL

    As one of the premier credit bureaus in India, CIBIL plays a vital role in the financial ecosystem. It collects and maintains credit information of individuals as submitted by banks and financial institutions.CIBIL Score Range & Meaning

    • 300-549: Very Poor – Such scores might lead to outright rejection or require collateral.
    • 550-649: Poor – Higher interest rates and strict terms are common.
    • 650-699: Fair – An intermediate range where borrowers may get average terms.
    • 700-749: Good – The chances of loan approval are high, with relatively better interest rates.
    • 750-900: Excellent – Borrowers enjoy the best terms and the lowest interest rates.
    • NA/NH: New to Credit User, No Credit History
    CIBIL Score Range Category Meaning
    300-549 Very Poor Such scores might lead to outright rejection or require collateral
    550-649 Poor Higher interest rates and strict terms are common.
    650-699 Fair An intermediate range where borrowers may get average terms.
    700-749 Good The chances of loan approval are high, with relatively better interest rates.
    750-900 Excellent Borrowers enjoy the best terms and the lowest interest rates.
    NA/NH New to Credit User, No Credit History
    Transunion CIBIL

    A global giant, Experian offers a wide range of services from credit reporting to marketing services.

    Experian Score Range & Meaning

    • 300-549: Very Poor – Financial institutions may be hesitant to lend.
    • 550-624: Poor – Might get loans but with added terms or higher interest.
    • 625-699: Fair – Standard loans and terms can be expected.
    • 700-799: Good – Good financial behavior is reflected in favorable loan offers.
    • 800-850: Superior – Premium terms and rates are often reserved for such scores.
    Credit Score Range Category Meaning
    300-549 Very Poor Financial institutions may be hesitant to lend.
    550-624 Poor Might get loans but with added terms or higher interest.
    625-699 Fair Standard loans and terms can be expected.
    700-799 Good Good financial behavior is reflected in favorable loan offers.
    800-850 Superior Premium terms and rates are often reserved for such scores.
    CRIF Highmark

    CRIF Highmark, another pivotal credit bureau in India, has carved its niche in individual and business credit information services.

    CRIF Highmark Score Range & Meaning

    • 300-549: Low – Credit opportunities might be limited.
    • 550-639: Below Average – Possibility of securing loans but with added caveats.
    • 640-719: Good – Regular terms and decent interest rates can be expected.
    • 720-799: Very Good – Reflects consistent good financial behavior.
    • 800-900: Excellent – Best possible credit terms, reflecting impeccable financial discipline.
    Credit Score Range Category Meaning
    300-549 Low Credit opportunities might be limited.
    550-639 Below Average Possibility of securing loans but with added caveats.
    640-719 Good Regular terms and decent interest rates can be expected.
    720-799 Very Good Reflects consistent good financial behavior.
    800-900 Excellent Best possible credit terms, reflecting impeccable financial discipline.
    Equifax

    As a multinational credit bureau, Equifax provides insights to both individuals and businesses.

    Equifax Score Range & Meaning

    • 280-559: Poor – It might be challenging to get loans without significant interest rates.
    • 560-659: Fair – While loans can be secured, the rates might not be the most favorable.
    • 660-724: Good – Shows responsible financial behavior.
    • 725-759: Very Good – Approvals become quicker, terms more favorable.
    • 760-850: Excellent – Reflects a history of outstanding financial responsibility.
    Credit Score Range Category Meaning
    280-559 Poor It might be challenging to get loans without significant interest rates.
    560-659 Fair While loans can be secured, the rates might not be the most favorable.
    660-724 Good Shows responsible financial behavior.
    725-759 Very Good Approvals become quicker, terms more favorable.
    760-850 Excellent Reflects a history of outstanding financial responsibility.
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