Check Your CIBIL Score Free Online
Get your free credit score instantly. Understand your creditworthiness and get personalized tips to improve your CIBIL score for better loan and credit card approvals.
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Your CIBIL Score
750
out of 900
CIBIL Score Ranges
What is CIBIL Score?
CIBIL Score is a 3-digit number between 300-900 that represents your creditworthiness. It is calculated by TransUnion CIBIL based on your credit history, repayment behavior, credit utilization, and other factors. Banks and NBFCs use this score to evaluate loan and credit card applications.
Credit History
35% weightage - Your repayment track record
Credit Utilization
30% weightage - How much credit you use
Credit Mix
25% weightage - Types of credit accounts
How to Improve Your CIBIL Score
Pay EMIs on Time
Never miss or delay EMI payments. Set auto-debit for timely payments.
Keep Credit Utilization Low
Use less than 30% of your credit card limit.
Avoid Multiple Applications
Don't apply for multiple loans/cards in short time.
Maintain Credit Mix
Have a healthy mix of secured and unsecured credit.
Check Report for Errors
Dispute any incorrect entries in your credit report.
Keep Old Accounts Active
Longer credit history improves your score.
Frequently Asked Questions
Is checking CIBIL score free on BuyNswipe?
Yes, checking your CIBIL score on BuyNswipe is 100% free. There are no hidden charges.
Does checking CIBIL score affect my credit?
No, checking your own credit score is a soft inquiry and does not affect your CIBIL score.
What is a good CIBIL score for loan approval?
A CIBIL score of 750 or above is considered excellent and gives you the best chance of loan approval at lowest interest rates.
How often is CIBIL score updated?
CIBIL score is typically updated once a month when lenders report your payment data to the credit bureau.
Get Personalized Loan Offers Based on Your Score
Once you know your CIBIL score, compare loan offers from 50+ banks tailored to your credit profile.