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Home Loan

Check CIBIL Score Free: Steps, Report and RBI Rules

Check your CIBIL score free once a year on cibil.com: sign up, verify your identity and open the report. Checking your own score does not lower it.

SI

Written by Sana Iyer

Updated on 17 September 2026·8 min read

On this page9 sections
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To check your CIBIL score for free, go to cibil.com, choose the free CIBIL Score and Report option, sign up and verify your identity. RBI rules entitle you to one free full credit report with your score from each of the four credit bureaus every calendar year. Checking your own score does not lower it.

Key facts

Item Position on 17 September 2026
Free report One free full credit report with score, once in each January–December year, from every credit bureau
Credit bureaus registered with RBI TransUnion CIBIL, Experian, Equifax and CRIF (formerly CRIF High Mark)
Score range 300 to 900 at every bureau
Next free CIBIL report if you used this year’s 1 January 2027
Who gets a CIBIL score People with an active loan or credit card in the last 36 months, reported to CIBIL
How often lenders report As on the 9th, 16th, 23rd and last day of each month, from 1 July 2026
Deadline to fix a disputed entry 30 calendar days: 21 for the lender, 9 for the bureau
Compensation for delay ₹100 for each calendar day beyond 30 days
Next step if unresolved RBI Ombudsman at cms.rbi.org.in, under the Integrated Ombudsman Scheme, 2026

How to check your CIBIL score on cibil.com

Use only the bureau’s own website or app. Never type an OTP or password into a page you reached from an unknown link or message.

  1. Open cibil.com and select the free CIBIL Score and Report option.
  2. If you are new, sign up with your personal details. If you already have a myCIBIL account, log in and open the My Account tab.
  3. Complete identity verification. If the online check fails, call CIBIL customer support to finish it.
  4. Click Get your Free Report.
  5. Read your score and the full report, and save a copy for your records.

If the Get your Free Report link is missing, you have probably used this year’s free report already. If you hold a paid unlimited plan, the link shows up only after that plan ends. CIBIL states that anyone who took a free report on or after 1 January 2026 becomes eligible again on 1 January 2027.

Check your credit score at the other three bureaus

Each bureau has to give you one free report a year, so you can see four reports in a year at no cost. Lenders may check any of them, so it is worth looking at more than one.

Bureau What it asks for Free report
Experian Sign-up on experian.in Free score and report once a year
Equifax Email, mobile and password; OTP check; date of birth, address and an ID such as PAN or Aadhaar; then Run your Free Report One free report a year; an offline request form is answered within 7 days
CRIF Name, PAN and registered mobile number Once each calendar year

Equifax’s helpline is 1800-209-3247, open 10 am to 7 pm, Monday to Friday. For a short summary of all four routes, see our page on how to check your free credit score.

What your CIBIL report shows

The report is the full record behind the three-digit score. It answers the common question of how to see your credit score history, because it lists each account and how you repaid it.

ItemDetails
CIBIL scorea number from 300 to 900 that summarises your credit history.
Personal detailsname, date of birth and gender linked to your loans and cards.
Accountsall active and closed loans and credit cards, with balances and payment history.
Enquiriesevery lender check made for your loan and card applications in the last 36 months.

CIBIL says the score depends mainly on payment history, credit utilisation, the age of your accounts and enquiries. Closed loans stay on the report as part of your history.

If your score shows NH or NA

A person needs more than six months of credit history for a CIBIL score. New borrowers may see NH or NA, meaning no history or not available. A report is not created at all for someone with no credit or enquiries.

What a good CIBIL score is

RBI requires all bureaus to calibrate scores from 300 to 900 so they can be compared. No official band chart exists. CIBIL says the closer your score is to 900, the better your chances of approval, and it suggests aiming for 750 or more. Lenders set their own cut-offs. Our guide to what a good credit score is covers the bands lenders use, and the loan eligibility calculator shows how much you may be able to borrow.

RBI rules that protect you

The rules below come from the Reserve Bank of India (Credit Information Companies) Directions, 2025 and the matching credit information reporting directions for banks, both dated 28 November 2025 and updated on 1 July 2026.

ItemDetails
Faster updates.From 1 July 2026, lenders report your data as on the 9th, 16th, 23rd and last day of each month. Changes on the first three dates go in within 4 calendar days, and the full monthly file by the 5th of the next month. From 1 January 2025 until then, reporting was fortnightly.
Alerts when a lender checks your report.Bureaus must send an SMS or email when a lender pulls your credit report, if they have your mobile number or email.
Alerts before a default is reported.Lenders must alert you by SMS or email when they report a default or days past due on your account.
Reasons for rejection.If a lender rejects your correction request, it must tell you why.
Free report link on the homepage.Each bureau must show the link to the free annual report prominently on its homepage.

How to fix a mistake in your CIBIL report

  1. Get a fresh copy of your report. CIBIL accepts disputes only on a report not older than 60 days.
  2. Look for wrong personal details, wrong balances, closed accounts shown as open, duplicate accounts and enquiries you did not make.
  3. Log in to your CIBIL account and fill in the online dispute form. You can dispute several sections in one request.
  4. Enter your bank account number and IFSC correctly, since any compensation is paid to that account.
  5. Track the dispute on the dashboard. CIBIL marks the entry Under Dispute while it checks with the lender.

CIBIL cannot change or delete a record on its own. It corrects an entry only after the lender confirms the change. If an enquiry is not yours, you can also contact the lender’s principal nodal officer.

Compensation if the fix is late

Since 26 April 2024, you get ₹100 for each calendar day your complaint stays unresolved beyond 30 days from filing. The lender has 21 days and the bureau the remaining 9, and whichever caused the delay pays its share. Compensation applies even if no change was needed, and it should reach your account within five working days of resolution.

Taking it to the RBI Ombudsman

The Reserve Bank – Integrated Ombudsman Scheme, 2026 came into force on 1 July 2026 and covers credit bureaus. If the lender or bureau does not reply within 30 days, or you are unhappy with its reply, file a complaint at cms.rbi.org.in or by email to crpc@rbi.org.in. File it within 90 days. RBI’s helpline is 14448.

Frequently asked questions

How can I check my CIBIL score for free?

Go to cibil.com, choose the free CIBIL Score and Report, sign up or log in, verify your identity and click Get your Free Report. You get one free report each calendar year.

Does checking my own credit score reduce it?

No. CIBIL says checking your own score and report does not affect it. Only lender enquiries made when you apply for credit appear on the report.

How many times a year is the CIBIL report free?

Once per calendar year. If you used it on or after 1 January 2026, your next free report is available from 1 January 2027; extra checks need a paid plan.

How can I see my credit score history?

Your full credit report shows every loan and card account with its payment history, plus lender enquiries for the last 36 months. Paid plans at each bureau let you track your score through the year.

What is the latest CIBIL score range?

300 to 900. RBI requires all four bureaus to use this range.

How do I check CIBIL status of a complaint or dispute?

Log in to your CIBIL account and open the dispute dashboard, or call CIBIL customer support with your dispute ID.

Why is my CIBIL score not updated after I paid my loan?

Lenders now report four times a month, and the bureau needs time to process the data. If an entry is still wrong, raise a dispute; it must be resolved within 30 days.

Sources

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