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Home Loan

CIBIL Login: Sign In, Create an Account and Reset Password

Individuals log in to CIBIL on the myCIBIL portal (myscore.cibil.com) with a username and password or a mobile OTP; new users click Register Now.

VD

Written by Vikram Desai

Updated on 17 September 2026·5 min read

On this page9 sections
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CIBIL login for individuals happens on the myCIBIL portal at myscore.cibil.com, which you reach from the Login link on cibil.com. Sign in with your username and password, or with your registered mobile number and an OTP. If you have never taken a CIBIL report, choose Register Now to create a login first. Credsir is not connected to CIBIL; this guide explains the official steps.

Key facts

Item Detail
Individual login myCIBIL portal, myscore.cibil.com
Ways to sign in Username and password, or registered mobile number with OTP
New users Register Now on the login page, or start from the Free CIBIL Score and Report page
Company reports Separate CIBIL Rank and Company Credit Report portal
Password reset email Sent from noreply-cibil@support.transunion.com
Customer support for verification 022-61404300, 10 am to 6 pm, Monday to Saturday
Free report One free CIBIL score and report per calendar year

Which CIBIL login do you need?

CIBIL runs several portals, and the name on the page can confuse. The individual login page is itself titled Member Login, and consumers use it.

You are Portal Use it for
An individual myCIBIL (myscore.cibil.com) Your CIBIL score, report, alerts and disputes
A business owner CIBIL Rank and Report portal (cibilrankccr.cibil.com) Your company’s CIBIL Rank and Company Credit Report
A microfinance borrower myCIBIL Microfinance Your microfinance score and report
Staff of a bank or lender CIBIL’s member institution portals Pulling reports for customers, through access set up by your employer

Individuals cannot use the lender portals. If you work at a member institution, ask your internal CIBIL administrator or nodal officer for access.

How to log in to myCIBIL

  1. Type cibil.com into your browser and click Login. Do not open login links sent by SMS, WhatsApp or unknown email.
  2. Check that the address bar shows myscore.cibil.com before you type anything.
  3. Enter your username and password, or choose Login Using Mobile Number.
  4. If you use your mobile number, enter the OTP that CIBIL sends by SMS or email.
  5. Your dashboard opens with your latest score, report and alerts.

Never share your password or OTP with anyone who calls about your CIBIL score. CIBIL staff and bank staff do not need them.

How to create a CIBIL login

You get a myCIBIL login the first time you take a CIBIL report, free or paid.

  1. On the login page, click Register Now, or open the Free CIBIL Score and Report page on cibil.com.
  2. Enter your name, email address, mobile number and a password.
  3. Choose an ID type, such as PAN, passport, voter ID, driving licence or ration card, and enter the number.
  4. Add your date of birth, gender and address.
  5. Complete the identity check. CIBIL may send an OTP and ask about your existing loans or cards.
  6. Once verified, log in with your new username or mobile number to see the report.

If the online identity check fails, call CIBIL customer support on 022-61404300 with your card and loan account details handy. For the free check step by step, see our guide to checking your CIBIL score free by PAN number.

Forgot your CIBIL username or password

Reset your password

  1. Open the myCIBIL login page and click Forgot password.
  2. Enter your username and click Continue.
  3. Open the email from noreply-cibil@support.transunion.com sent to your registered email address.
  4. Follow the link or temporary password in that email, set a new password, confirm it and click Change Password.

Recover your username

  1. Click Forgot username on the login page.
  2. Enter the mobile number, email address and date of birth you gave when you first applied.
  3. Follow the instructions in the email CIBIL sends to your registered email address.

Common CIBIL login problems

ItemDetails
Account already exists.You took a CIBIL product earlier, so an account was created. Use Forgot password rather than registering again.
We are unable to obtain credit info.CIBIL suggests a recent browser version and clearing cache and cookies before trying again.
Paid but cannot log in.Follow the username and password recovery steps above.
No Get your Free Report link.You have already used this year’s free report, or a paid unlimited plan is still running.
Changed mobile number or email.Recovery emails go to the registered address, so contact CIBIL support through its contact page if you no longer have access.

What you can do after you log in

ItemDetails
Get your free report.Go to My Account and click Get your Free Report once each calendar year.
Refresh your report.Paid plans of 1, 6 or 12 months let you refresh every 24 hours from the Refresh Center.
Download a copy.Under Credit Report, choose print the report, then Save as PDF.
Raise a dispute.Correct wrong entries through the online dispute form. See our guide to fixing a CIBIL dispute.
Read the report.Our page on how to read your credit report explains each section.

Since 1 July 2026, lenders report your data as on the 9th, 16th, 23rd and last day of each month, so the report you see after login reflects repayments sooner than it did under fortnightly reporting. If a dispute is not fixed within 30 days, RBI rules entitle you to ₹100 a day, and you can escalate to the RBI Ombudsman under the Integrated Ombudsman Scheme, 2026.

Frequently asked questions

How do I log in to CIBIL?

Go to cibil.com, click Login and sign in on myscore.cibil.com with your username and password, or with your registered mobile number and OTP.

What is the CIBIL consumer login page?

The myCIBIL portal at myscore.cibil.com. It is the page individuals use for their score, report and disputes.

How do I create a CIBIL login?

Click Register Now on the login page or start from the Free CIBIL Score and Report page, enter your details and an ID such as PAN, and pass the identity check.

What is CIBIL member login?

Member institutions such as banks have their own CIBIL portals for staff. The individual myCIBIL page is also headed Member Login, but it is the one consumers use.

I forgot my CIBIL password. What should I do?

Click Forgot password, enter your username and follow the email from noreply-cibil@support.transunion.com to set a new password.

Is logging in to myCIBIL free?

Yes. You pay only if you buy a subscription; one score and report each calendar year is free.

Does logging in and checking my score lower it?

No. Checking your own CIBIL report does not affect your score.

Sources

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