I’m planning to apply for a credit card, and before doing so, I want to check my credit score to understand my eligibility and improve my chances of approval. Could you please guide me on the best and most reliable platforms to check my credit score in India?
There are several apps, in which you can check your credit score-
1.) CIBIL’s official app-
Official app of CIBIL also provides free credit score, free credit report (once a month),
2.) One Score-
One Score app offers CIBIL and Experian scores. It provides credit report analysis and gives you personalized recommendation on how to improve your credit score.
3.) Bajaj Finserv app:
Bajaj Finserv will also provide you with your credit score and credit reports.
Before applying for a credit card or loan, checking your credit score is a smart move. In India, you can check it for free on several reliable platforms.
Official Credit Bureaus (most accurate)
There are four RBI-approved credit bureaus in India:
- CIBIL (TransUnion CIBIL)
- Experian India
- Equifax
- CRIF Highmark
Each bureau maintains its own records, and the score may differ slightly across them. You can visit their official websites or apps to get your detailed credit report.
Popular Apps & Portals (free & easy to use)
If you want to check your score quickly and even track it regularly, these apps are very popular:
- Paisabazaar
- BankBazaar
- Paytm
- Wishfin
- CreditMantri
These apps fetch your score directly from official bureaus (like CIBIL or Experian), so the information is reliable. They also give monthly updates and tips to improve your score.
- If you want the most authentic source, check directly on CIBIL’s official app/website.
- If you want free monthly tracking + ease of use, apps like Paisabazaar or Paytm are a great choice.