Check Free Annual Credit Report Analysis, CIBIL Score Online in less than 1 min for FREE

Check Free Annual Credit Report Analysis, CIBIL Score Online in less than 1 min for FREE, CHECK CREDIT SCORE FOR FREE, Online Free Credit Score Checker, Free cibil score, Free credit report annual, Free credit reports from all 3 bureaus

A Credit Score, also commonly referred to as CIBIL Score, is a 3-digit number that represents how well you have managed credit, like a home loan or personal loan or your credit cards, in the past. You can get your Cibil credit score & credit report with monthly updates absolutely free, forever. Just provide a few details on the left to get your score right away.

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What Is a Credit Report Analysis?

Credit report is like a report card made by credit bureau (or Credit Information Company) that contains your credit history with all the different lenders. It is a report that provides the details of an individual’s borrowing history and repayment record; it tells the prospective lenders whether the individual is a reliable borrower. A credit report includes the following information:

• Credit score
• Demographic details of the applicant (name, age, gender, address)
• Employment and earning details
• Details of hard enquiries made by potential lenders when they receive your loan/credit card application
• Records of all previous and current loans along with your track record on payment
• Details on any unpaid defaulted loans and loans settled with banks
• Total credit limit on your credit cards and the amount spent monthly

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Why is your Credit Score important?

• Your credit score is the first thing that a lender looks at while evaluating your loan application. In case your CIBIL score or credit score is low, the lender might reject the application without even considering it further.

How is your Credit Score calculated?

Your credit score depends on a lot of factors that a credit bureau takes into consideration while calculating your score. 

• Loan Repayment History
• Duration of Credit History
• Credit Utilization Ratio
• Credit Mix

What is considered a good credit score?

• Above 800:  Excellent
• 761-800:  Good
• 701-760:  Fair
• 601-700:  Low
• 300-600:  Very Low

Benefits of maintaining a High Credit Score?

• Greater chances of your loan applications being approved, as a high credit score indicates higher creditworthiness and lower risk for the lender
• You are more likely to receive lower interest rates on loans
• You can get easy and quick approval for your loan and credit card applications
• Access to pre-approved loans based on your eligibility
• You can avail higher limit on your credit cards
• Discount on processing fees and other charges