With so many apps and websites offering free credit score checks—CIBIL, Experian, Equifax, CRIF, and third-party platforms like Paisabazaar and OneScore—how do you know which one is the most accurate?
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Following are some suggestions-
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- Official Credit Bureau Websites-
Free annual credit reports are available at
- CIBIL (TransUnion CIBIL) through their official website yet subscribers gain access to more frequent updates.
- The Experian India platform gives users a free credit report and score together with extra information that requires payment for access.
- Equifax India - Provides users a single free request in a year for a credit report.
- CRIF High Mark-Users can obtain both credit scores and reports from CRIF High Mark without charge but must wait between scheduled access periods.
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- Third-Party Apps & Platforms
- Paisabazaar to receive free updates of their monthly credit scores obtained from various credit bureaus.
- OneScore - Free tracking of scores from multiple bureaus with AI-driven insights.
- BankBazaar gives users free access to credit scores managed by Experian and CIBIL.
- Paytm
- CRED
All of them are accurate in their own way because each bureau like CIBIL, Experian, Equifax, and CRIF maintains its own data and scoring model. That is why you will often see slightly different numbers on different apps. Third party platforms like Paisabazaar or OneScore just fetch your score from these bureaus, so they are not changing the accuracy. If you want the most relevant number for loans in India, CIBIL is usually given more weight by banks, but it is smart to keep an eye on at least one or two other bureaus as well.