The Credit Information Bureau Limited is popularly known as CIBIL that is authorized by the Reserve Bank of India. It is a three-digit number which range starts from 300-900. The lowest score is considered as 300 and the highest is considered as 900. When your score is 750 and above, it represents a good credit history and responsible repayment behavior. The calculation of the CIBIL score is based on your 6 months' historical financial data of an individual.

•    It keeps a record of all the past payments.
•    Consistently making timely payments then also it leads to a higher score
•    Delayed payments lead to a decrease in your score
•    Recent delayed payments make a more negative impact

•    Recent write off leaves more negative impact as compared to older ones
•    If you are having a multiple write-off, then it lowers the score
•    Write-offs documented by lenders on previous debts lower score
•    Delays or defaults on secured loan repayments impact more negatively than unsecured loans

If you are having a low loan balance, then it is indicative of healthy credit usage and results in a higher score and vice-versa.

If a person makes too much of loan inquiries to avail loans indicative of ‘ credit hungry’ behavior, negatively impacts the credit score.

Step 1:  Visit the CIBIL website

Step 2:  Fill out the form to know your CIBIL score that requires  to  give necessary 

information such as name, contact number,  email address and click continue to step 2

Step 3:  Provide out the additional details about you including your PAN number. Make sure the details are accurate and correct.

Step 4:  Next step is to answer all the questions correctly  related to  your credit card and loans, based on which your CIBIL score will be calculated, and your completed credit report generated.

Step 5:  You will be suggested various paid subscriptions if you need more than one report in a year. If you require only a one-time, free CIBIL score and report. After you select according to your needs and requirement, this is the stage where your account is created, and a confirmed message is displayed on the following page. Using your login and password that was created in Step 2, you can log in to your account.

Step 6:  After you log in your CIBIL account,  all your details will be auto-populated by default please provide the accurate information if the fields are not auto-populated). Please enter your contact number and click submit.

Step 7: Once you submit that form, your dashboard makes you an easy CIBIL score check. Additionally, you can get your CIBIL report on the dashboard.

Following the above steps will help you to get an easy CIBIL score Check.