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Credit Score

Why do you need a credit score checker?

A credit score checker is a valuable tool or service that allows individuals to check their credit scores, which is a 3 digit numerical representation of their creditworthiness. 

By using a credit score checker, individuals can monitor their credit scores, identify potential errors or fraudulent activities, and make informed decisions about applying for loans or credit cards. Your creditworthiness is expressed as a three-digit numerical expression.

Your creditworthiness is expressed numerically. A higher score increases the likelihood of being approved for credit or loans with better rates and terms. For instance, a Cibil score of at least 750 is recommended for credit card applications.

What is a credit score? How is a credit score determined?

A person's creditworthiness is statistically represented by their credit score. It aids in determining your capacity to repay the sum you borrowed. A person's credit score typically varies from 300 to 900, and the applicant with the highest score is seen as being reliable. 

It's advantageous to have a high credit score when applying for loans or credit cards, as it leads to better terms and interest rates. In contrast, if your score is low or you fall into a lower range, it indicates you are an irresponsible borrower and have not paid your loans or other obligations on time.

Credit score ranges and what it determines.

300 - 549

This is the range with the lowest CIBIL score. It indicates that you have fallen behind on your loan payments or credit card bills and run the risk of defaulting.

550 - 649

This is the range with the lowest CIBIL score. It indicates that you have fallen behind on your loan payments or credit card bills and run the risk of defaulting.

650 - 749

Your positive credit behaviour is demonstrated by your high CIBIL score. A credit card or loan approval is very likely for you. But, even if you apply for a loan, you might not get the best interest rate.

750 - 900

A CIBIL score over 750 is regarded as good and demonstrates that you have an impressive payment history and have consistently paid your obligations on time. Lenders will grant you loans easily and at cheaper interest rates because you have the lowest chance of becoming a defaulter.

What data do credit bureaus gather to calculate your credit score?

Credit bureaus gather these data to determine a credit score, which includes;

  • Personal information
  • Credit history length
  • New credit
  • Amount owed
  • Payment history
  • Credit mix

Why is it necessary to have a high credit score?

Maintaining a high credit score is crucial for various reasons. Here are some of the key benefits:

  • Increases Loan Eligibility: A high credit score indicates that you are a responsible borrower who makes timely repayments. As a result, you are more likely to be approved for a loan quickly
  • Faster Loan Approvals: With a strong credit score and lengthy credit history, you can access pre-approved loans, and your loan request is granted promptly with no processing period
  • Low-Interest Rates: If you have a high credit score, you can benefit from lower interest rates on your loans, which can save you money in the long run
  • Access to Credit Cards with Attractive Rewards: With a good credit score, you may qualify for credit cards with enticing perks and rewards
  • Higher Credit Card Limits: A solid credit score demonstrates your ability to manage credit responsibly, which can help you qualify for higher loan amounts and credit cards with higher limits and better interest rates

In summary, maintaining a high credit score is essential to increase your loan eligibility, get faster loan approvals, benefit from lower interest rates, access credit cards with alluring rewards, and qualify for higher loan amounts and credit card limits.

What aspects are taken into consideration when determining credit score?

The Credit Bureaus take into account the following elements when calculating credit scores:

  • Credit history: This includes information about your account number, credit usage, and any missed or late payments
  • Credit score inquiries: This comprises details such as the kind of loan you are interested in, the amount you are applying for, and whether you are applying individually or jointly
  • How much you owe: This factor contributes 30% to your credit score and depends on how much you owe on credit cards and loans
  • Credit history length: A long history of on-time payments leads to a higher score, and it makes up 15% of your credit score
  • How many products you have: This accounts for 10% of your credit score and can be raised by using various goods, such as installment loans, house loans, and credit cards
  • Credit activity: The remaining 10% is based on your most recent credit activity, including starting or applying for multiple accounts, your repayment history, the types of loans you have applied for, and how much of your credit limit you have used up

What is a good credit score?

A credit score of 700 or more is regarded as being good. Before approving a loan, creditors consider the credit score. When someone requests a loan, lenders investigate —

  • CIBIL report and score
  • Employment status
  • Account information
  • Payment history
  • EMI-income ratio

How can one improve their credit score?

Given that you are aware of the importance of keeping a high credit score and the variables that are taken into account while calculating the score, the following simple steps can help you do so:

  • Pay your loan installments on time.
  • Pay your bills on time and avoid exceeding your credit limit.
  • Pay off any outstanding debts or bills.
  • Avoid submitting multiple credit card or loan applications.

What is 000 and STD under repayment history?

Credit bureaus use "000" and "STD" codes to represent the repayment status of a loan or credit account. 

  • "000" indicates that the account is in good standing and has been paid on time. 
  • On the other hand, "STD" stands for "Standard" and means that the outstanding dues have been paid on time or within 90 days of the due date.

How to identify dues in my report?

To find dues in your credit report, get a copy of it from a credit bureau like CIBIL and search for accounts with late or missed payments, collections, or charged-off accounts. Any month with status other than “000” and “STD” represents late payment. Review your report, dispute errors, and keep an eye on your loan and credit card payments to ensure timely and full payments each month.

Does frequent change of address impact my credit score?

Frequent address changes won't affect your credit score but may impact your ability to get credit as lenders prefer stable personal details. Frequent address changes may raise a red flag in your credit report, indicating instability.

What is meant by derogatory remarks in the report?

Derogatory remarks in a CIBIL report are negative comments by creditors regarding a borrower's creditworthiness. They include late payments, defaulting on loans, outstanding debts, or legal action taken against the borrower. Derogatory remarks can impact a borrower's credit score and overall creditworthiness, making it difficult to obtain credit. Review your CIBIL report regularly to ensure no inaccuracies or derogatory remarks affect your credit score.

What to do if any lending institution has pulled my bureau report without my knowledge?

If a lending institution has pulled your credit bureau report without your consent or knowledge, you should immediately raise a dispute with the credit bureau. You can also file a complaint with the lending institution and request that they remove the inquiry from your credit report. It is important to monitor your credit report regularly to ensure that there are no unauthorized inquiries or inaccuracies that could negatively impact your credit score.

What if I see some loans without my knowledge in the report?

If you see loans without your knowledge in your credit bureau report, you should first contact the credit bureau and the concerned lender to raise a dispute and request them to investigate the matter. They are required to investigate and respond to your dispute within a specified time frame.

If you are not satisfied with their response or resolution, you may approach the Banking Ombudsman appointed by the Reserve Bank of India (RBI). The Banking Ombudsman is an independent and impartial authority that addresses complaints and grievances related to banking services, including credit reporting issues.

You can file a complaint with the Banking Ombudsman online or in writing, providing all the necessary details and supporting documents. The Banking Ombudsman will then investigate the matter and provide a resolution based on their findings.

Frequently asked questions

How can I get a free credit report?

The three national credit reporting agencies each offer one free copy of your credit report each calendar year. It is available online on,  this is the only official source for free credit reports. You can also dial 1-877-322-8228.

Does checking your credit score multiple times have an impact on it?

It depends on who and why they are looking at your Cibil report. For instance, if you check your credit score personally, it won't drop, but if a lender or credit card company requests a copy of your credit report, it might.

What variables go into calculating credit scores?

Credit history
Credit enquiries
Repayment record

How to check credit score?

There are a few ways to check your credit score, but the quickest and easiest approach is to go to Potlee website (Add backlink to the page) or download the Potlee app and select the 'check credit score' option. Provide your name, phone number, and email address after that, then click "confirm." Your Cibil score report will be sent to your registered email address and over WhatsApp.

Is a 750 credit score good?

750 is an excellent credit score; you can also make your credit score outstanding by increasing it into the range of 800-850.

Is it best to make a full repayment of credit card debt?

Instead of carrying a balance on your credit card, you should pay off your debt in full. You will avoid paying additional interest on the balance if you pay credit card bill dues in whole.

What happens if I pay more than the balance on my credit card?

Overpaying your credit card will result in a negative balance, but it won’t hurt your credit score—and the overpayment will be returned to you.You have two choices for making the overpayment go away:

1.Ask for a refund. You might request a direct deposit to your bank account or a check.
2.Continue to use the credit card until the surplus in your credit card account has been used up.

If you do nothing, and the excess remains, banking regulations require that your credit card issuer attempt to send you a refund after six months.

Can anyone see my credit rating?

No, not just anyone is allowed to view your credit report. An organisation needs to have a "permissible purpose" in order to obtain credit records.

Do my chances of obtaining a new loan or credit card depend on my Cibil score?

Yes, prior to granting an application for a loan or credit card, all banks and lenders look at the applicant's Cibil score.

What is the bare minimum Cibil score needed for any loan type?

A Cibil credit score of 750 or more is typically regarded as good when applying for any type of loan.

What credit score is required to qualify for personal loans?

The minimum credit score required by banks and NBFCs to approve personal loans is a Cibil credit score of 750 or above. As you have a lower risk of defaulting if your credit score is greater, banks and NBFCs will be more inclined to provide you with personal loans.

What occurs if my Cibil report has mistakes?

Errors in your credit record may be the cause of your low Cibil score. By asking the credit rating company to correct the mistakes in your credit report, you can improve your Cibil score.

Is it possible for Cibil to alter or remove my credit report on its own?

No, Cibil is unable to independently delete or modify records that appear on your credit report. It merely compiles the data on people provided by banks and other financial entities.

Why is a PAN card needed in order to check your credit score?

The PAN card can be used as a legitimate Proof of Identification (PoI) identifying individuals in the database, but it is not required to check the credit score.

Why is a phone number required for a credit score?

It is used to accurately confirm a person's identification to ensure that they are the proper recipient of the credit report.

Is there a cap on how many times you may see your credit score?

You are free to ask for your credit score and report as often as you like. 

What credit score is needed to apply for a credit card?

A Cibil credit score of 750 or higher is regarded as favorable for submitting a credit card application.

How do I use my Aadhar card to check my credit score?

Visit the Cibil website, select the credit score check tool, enter the necessary information, including your Aadhaar number, and click Submit to obtain your Cibil score report.

How do you check your credit in India?

Four credit bureaus, TransUnion Cibil, Equifax Credit Score, Experian Credit Score, and CRIF Highmark Credit Score, offer credit scores in India that vary from 300 to 900.

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