How to check your free CIBIL, Equifax, Experian, and CRIF credit reports online?

Each particular person within the nation is entitled to at least one free credit score report yearly from every of the 4 main credit score bureaus, in accordance with the Reserve Financial institution of India tips. The 4 bureaus are TransUnion CIBIL, CRIF Excessive Mark, Equifax, and Experian.

Here’s a step-by-step information that may help aspirational people in procuring their free credit score report instantly from the official web site of the above-mentioned credit score bureaus.

Equifax

1. Go to the Equifax web site: https://www.equifax.co.in and create an account by offering particulars similar to PAN, deal with, cell quantity, and a working electronic mail ID.
2. After profitable identification verification, your free credit score report will likely be generated on-line. Additional, it’s also possible to request a credit score report offline by mailing a correctly stuffed credit score report request type with ID and deal with proof to the credit score bureau.
3. Remember the fact that on much like CIBIL, you might be entitled to at least one free credit score report each 12 months.

Experian

1. Attain out to the web site at https://www.experian.in and enter your fundamental particulars similar to PAN, Aadhaar, cell quantity, and a working electronic mail ID to provoke the method.
2. Confirm your identification by utilizing the OTP, i.e., one-time password despatched to your registered cell quantity, to entry your credit score report.
3. Experian, like the opposite credit score bureaus, gives one free credit score report yearly, i.e., each 12 months. You may view, obtain, and save this report in your data.

CRIF Excessive Mark

1. First, go to the CRIF Excessive Mark web site at https://www.crifhighmark.com and full the registration course of by submitting the shape with particulars similar to PAN, Aadhaar, deal with, electronic mail ID, and cell quantity.
2. Authenticate your identification via the OTP despatched to your registered cell quantity to proceed. This can assist in making positive that the report is downloaded by you, i.e., the involved particular person solely.
3. As soon as the method of verification is full, you may obtain your free annual credit score report in PDF format for future reference.

Subsequently, do consider to all the time use the official portals of every credit score bureau for optimum knowledge safety and privateness. Moreover, checking and downloading your credit score report is a ‘soft inquiry’ and it doesn’t negatively affect the credit score.

Quite the opposite, reviewing your credit score report constantly helps in detecting inaccuracies and errors. It additionally helps in decreasing fraud threat and helps in sustaining acceptable financial health.

Lastly, in case you face any doubts on the subject of your complete strategy of acquiring your free credit score report, it’s also possible to attain out to the customer support staff of the above-mentioned credit score bureaus. This may be accomplished via their official web sites underneath the shopper grievance part.

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Disclaimer: Mint has a tie-up with fintechs for offering credit score; you have to to share your data should you apply. These tie-ups don’t affect our editorial content material. This text solely intends to teach and unfold consciousness about credit score wants like loans, bank cards and credit score scores. Mint doesn’t promote or encourage taking credit score, because it comes with a set of dangers similar to excessive rates of interest, hidden expenses, and so on. We advise buyers to debate with licensed specialists earlier than taking any credit score.