Under RBI guidelines, every Indian consumer is entitled to one free credit report per year from each of the four licensed credit bureaus. This means you can access up to four free credit reports annually — one each from CIBIL, Equifax, Experian and CRIF High Mark.
Why You Should Check All 4 Bureaus
Different lenders report to different bureaus. A loan from SBI may be reported to CIBIL while a credit card from HDFC is reported to Equifax. Errors on any bureau can affect your loan eligibility, even if your CIBIL score is perfect. Check all four annually.
Step-by-Step: Check Your Free CIBIL Score
1. Click Check Credit Score on Credit Consultant to get your verified report
2. Enter your basic details, mobile number and PAN
3. Verify your identity with an OTP sent to your registered mobile
4. Your full credit report and score are displayed — download and save the report
5. Cross-verify across all four licensed credit bureaus in India (CIBIL, Equifax, Experian, CRIF High Mark)
What to Look for in Your Credit Report
Review: personal information (name, PAN, addresses), all loan accounts listed, payment history for each account, enquiry section (hard pulls), and the written remarks column. Flag anything unfamiliar — unknown accounts, incorrect payment statuses, or closed accounts showing as open.
✓Key Takeaways
- You get 1 free report per year from each of the 4 bureaus — that's 4 free reports annually
- Checking your own score is a soft enquiry — zero impact on your CIBIL score
- Always check all 4 bureaus — errors may exist on one but not others
- Download and save your report PDF as evidence for any future disputes
Frequently Asked Questions
Is checking CIBIL score really free?
What documents are needed to check CIBIL score?
How long does it take to get the free CIBIL report?
Need Expert Help?
Our advisors handle the entire process — disputes, lender follow-ups, score monitoring.