HOW TO GET FREE CREDIT REPORT IN INDIA?

In my recent articles, we came across by knowing the importance of credit report and things that effect our credit score.

if you are not aware, just have a look here.

Know the importance of credit report

What affects your credit score?

but how to get creadit report and that too with no charge.

In india & other major countries, there are four major credit bureaus.

1. Experian

2. Transunion

3. Equifax

4. Highmark

In India, Maximum financial agencies prefer credit report from Transunion CIBIL (Part of Transunion). Because this is the first company launched credit bureau services in India in 2000 and it maintains credit files on 600 million individuals and 32 million businesses. Almost all financial agencies upload their customer credit status to Transunion CIBIL Ltd on fortnightly basis. So this increases the accuration in credit score of the customer. it scores range from 300 to 900.

Experian India was established in india in 2006 but licensed in 2010. After Transunion CIBIL, Agencies depend on Experian credit report to extend its credit facilities to its borrowers and mainly it is cost effective for financial agencies. it scores range from 300 to 900.

CRIF Highmark was established in 2007 and licensed in 2010 for its operations in india. CRIF Highmark scores range from 300 to 850. Most of the financing agencies are using credit report form this bureau for business profile people.

Equifax india was established & licensed in 2010 and it scores range from 1 to 999. The advanced technologies are developed to calculate the credit score of an individual as well as companies.

So, Now we have to get into the main subject of the article.

who is providing free credit report out of these all four credit bureaus?

Now, All four credit bureau are providing credit report with no charge. But out of four, Equifax is providing credit report through email basis (No online login) only.

To get the report from Transunion CIBIL Ltd:

Please visit the Transunion CIBIL Ltd website Here

There you can find an option like

Get yours now --> fill the required fields ---> submit

After submitting the all the details, they will provide credit report on realtime basis and wil send to your email id also.

To get the report from CRIF Highmark:

Please visit the CRIF Highmark website Here

There you can find an option like

Get your score now ---> give your email id to get your report ---> fill all the mandatory fields and submit.

After submitting the all the details, they will provide credit report on realtime basis and wil send to your email id also.

To get the report from Experian India:

Please visit the Experian India website Here

There you can find an option like "Get your credit report and score". click on that and there you have to fill your details and signup your self. After verification of email id and mobile number, you can place the request for credit report.

To get report from Equifax India:

Please download the credit report request from here

https://www.equifax.com/international/india/pdfs/CreditReportRequestForm.pdf

please send the filled form by enclosing ID proof, address proof from your email id to ecissupport@equifaxindia.com.

After verification of your documents and authentication of your mail id, they will send password protected credit report to your email id.

Can we get credit report from third party online websites for free:

No, they will provide you with free credit report but your key details like email id, mobile number, PAN number will be stored on their servers and they will verify your score at   any frequent levels to alert you to your credit status. but it will effect your score as the third party checking with credit bureaus will lower your score

Note: Checking your own credit will NOT lower your Score.

So please check your credit report and get your score on your own.

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