How to get CIBIL credit report for free

If you search google with "how to get CIBIL credit report free" you will end up believing it is not available free of cost. This is an absolutely misleading information.

Google misleading search result on how to get free CIBIL report.

Any individual can get a CIBIL credit report free of cost once every year. Not just CIBIL, it is mandatory for all the credit information companies in India to provide a copy of your credit report freely once a year.  The Committee to Recommend Data Format for Furnishing of Credit Information to Credit Information Companies under the Chairmanship of Shri Aditya Puri constituted by the Reserve Bank of India (RBI) had recommended that each customer of a credit institution should be provided one base level Consumer Credit Information Report free of cost every year by each Credit Information Company. Accordingly, RBI had issued a circular asking every CIC to provide an annual CIR free of cost.

RBI circular on free annual credit report to individuals

So, it is possible to get your CIBIL report free of cost. It is your right to get your credit report from any of the credit information companies free of cost once a year. Now I will take you through how to get your CIBIL report freely.

Visit Free CIBIL Score web page of CIBIL. Scroll down to the bottom of the page. You will find the link to Get your Free Annual CIBIL Score & Report. You can also click on the following button right here on our website.

Clicking on to this button will land you at Free CIBIL Score and Report Order form. Fill in the form as exactly as possible as your bank records. Select identity proof as PAN preferably. It is because no bank will give you credit without PAN. It is possible that you might not have submitted other ID cards like a passport to any of the banks. The form is very simple with very basic information:

Simple  Free CIBIL Score and Report Order form

Once you hit submit button, it takes you to a page where you have an option to opt for paid subscription to you credit report. Jist say "No, Thanks" to it. Your CIBIL reporr should be ready.

Once the score is ready, CIBIL will send you an SMS and an email stating your score. The e-mail will contain the password to login to access the report. It may take few minutes. Have patience, they are giving it for free! You have to answer some simple questions on your loans like your car loan amount, credit card limit etc. You may need to confirm the mobile number. These steps are very simple and you don't need anybody's help. Once you get the SMS and e-mail, just log in to MyCIBIL to view your credit score and detailed report. 

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