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CHECK YOUR CREDIT SCORE

FOR FREE In just 2 Mins




Get your Credit Score in 3 simple steps

 

 

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STEP 1

Enter your personal details

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STEP 2

OTP verification

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STEP 3

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Get your Credit Score in 3 simple steps

 

 

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STEP 1

Enter your personal details




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STEP 2

OTP verification




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STEP 3

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Check Your Free Credit Score

 

 

 

 
 

What is credit score?


A three digit numerical expression from 300 to 900 representing the measure of creditworthiness of an individual may be defined as a Credit Score. This three-digit numeric summarises a consumer's credit history and credit behaviour based on, total debts, repayments of debts, number of open accounts, etc., recorded in a Credit Report typically sourced from a Credit Bureau.


Lenders such as banks, NBFCs, and credit card companies use this score to evaluate the potential risk of lending money to an individual with the aim to minimize and diminish losses due to bad debts. With the use of this score, lenders determine who qualifies for a loan, at what rates, and the loan value. A credit score also helps lenders determine profitability, and who or which customer will most likely bring in more revenues. In short, this scoring system determines the lender's decision to offer you credit. Click here for your Free Credit Score online

Credit Bureaus and Credit Information Companies in India


There are four major Credit-Reporting Bureaus in India, which specialize in the collection of financial information to create a unique Credit Report. The information collected by these companies are similar, but for small differences.


Credit Score Range


Credit Score, calculated based on your credit behaviour reflects in the 'Accounts' and 'Enquiries' sections of your Credit Information Report; the Score thus calculated has a Credit Score Range from 300 to 900. All credit bureaus in India offer a credit score from 300 - 900. A credit score of 700 and above rates as ideal.


An Excellent Credit Score rating portrays a financially responsible person when that comes to money and credit management. This kind of rating commands low interest rates, and high value loans. A Good Credit Score rating depicts a person near or slightly above average. Though such a rating may not command lowest interest rate and high loan value, the individual will still be considered for competitive interest rates.

  • 350 - 549 : Bad
  • 550 - 649 : Fair
  • 650 - 749 : Good
  • 750 - 900 : Excellent
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An Excellent Credit Score rating portrays a financially responsible person when that comes to money and credit management. This kind of rating commands low interest rates, and high value loans. A Good Credit Score rating depicts a person near or slightly above average. Though such a rating may not command lowest interest rate and high loan value, the individual will still be considered for competitive interest rates.


Fair Credit Scores are considered not so good since credit histories may have major delinquencies, but such borrowers are still extended credit, though not a very competitive rate. An individual with a Poor Credit Score rating generally has damaged credit history as a result of multiple defaults. A damaged credit score may not be considered as creditworthy.


How's Your CIBIL Score Calculated?


A credit bureau calculates your Credit Score based on a number of factors. Get your free CIBIL Score check [link] by sorting out your CIBIL Report issues based on the following criteria.


If you not got your CIBIL Score check online free and Free Credit Report from Ruloans Digital Resources, Click here.


What are the Requirements to Check Your Credit Score?


The following details are required to check your credit score.


Only those who have taken credit in the past have a credit score. If you have not taken any credit, and are new to credit, you will not have a credit score. To check credit score online, Click here


Why Credit Reports are used?


Lenders making credit decisions avail credit reports on their prospects, applicants, and customers from the credit reporting agencies to use the information to evaluate your applications for credit, and loans. This helps determine whether to approve you for a loan, and if you're to be approved, what the loan value will be at what interest rate. A credit report shines light on your financial background, revealing your personal payment history, and credit worthiness.


What is the Difference between a Credit Score, Credit Rating, and a Credit Report?


How CIBIL Score impacts your Loan Eligibility?


How Low CIBIL Score negatively affects your loan eligibility?


Getting a loan for low credit score may be difficult; therefore, you need to keep in mind the following factors.


What are the Benefits of a Good Credit Score?


Frequently Ask Questions

All credit bureaus in the country offer one free credit report in a financial year to consumers. Ruloans has made this process easier by allowing you access to your Credit Score, and Free Credit Free Report from Ruloans resources. Proceed as follows to check credit score online.

  1. 1. To Check your credit score for free, Click here
  2. 2. Enter your Personal Details
  3. 3. Complete your OTP Verification
  4. 4. View your Free Credit Score
  5. 5. View your Credit Report
  6. 6. Download your Free Credit Report

A Credit Score above 750 rates as Excellent. 750+ portrays a financially responsible person in reference to money and credit management. An Excellent rating commands low rates of interest, and high value loans.

A Credit Score, a three-digit numeric calculated by a Credit Bureau, summarises a consumer's credit history based on records in a Credit Report. Typically, this score ranges from 300 to 900. A CIBIL Score likewise summarizes records in a CIBIL Report to calculate a three-digit CIBIL Score. CIBIL Score derives from the name of the Credit Bureau, TransUnion CIBIL Limited.

A Good Credit Score ensures a higher chance of credit approval. A CIBIL Score depending on your CIBIL Report of anywhere between 700 to 900 may be considered a Good CIBIL Score.

A credit score that falls in the range of 300 to 550, may be considered a Bad Credit Score. Likewise, a CIBIL Score ranging from 300 to 550 may be considered a Bad CIBIL Score, which you need to take seriously and improve. A Bad CIBIL Score disqualifies your application for credit. You may not get a loan for low credit score.

Your CIBIL Score reflects your creditworthiness, and your lender judges your capacity to repay loans based on this metric. Your CIBIL Score summarizes your credit history, and reflects you responsibility towards repayment of credit in the past to predict your behaviour in the future. This allows the lender to balance risks of non-repayment or default.

When a lender makes a soft credit inquiry to check whether you qualify for a loan product, the inquiry does not register in your credit report. Whereas, when a lender makes a hard enquiry to evaluate your credit report to make a lending decision, the enquiry registers in your credit report to reflect on your credit score. Multiple hard inquiries affect your credit score to reflect negatively on your credit behaviour.