How to Obtain Your Free CIBIL Report: A Step-by-Step Guide

Your CIBIL report and score play a crucial role in determining your creditworthiness when applying for loans or credit cards. As per the Reserve Bank of India (RBI) guidelines, you are entitled to one free credit report per year from each credit bureau, including CIBIL. In this article, we will guide you through the steps to obtain your free CIBIL report online.

Step 1: Visit the Official CIBIL Website

1. Go to the official CIBIL website (https://www.cibil.com).
2. Click on the “Get Your CIBIL Score” button or navigate to “Get Your Credit Score” under the “Personal” tab.

Step 2: Choose the Free Plan

1. On the subscription plan page, select the “Free” plan.
2. This plan provides you with a one-time access to your CIBIL report and score.

Step 3: Create a CIBIL Account

1. Enter your email address, create a password, and provide your mobile number.
2. Click on the “Continue” button.

Step 4: Provide Personal Information

1. Fill in your personal details, including your full name, date of birth, and PAN (Permanent Account Number) or Aadhaar number.
2. Provide your complete residential address.
3. Click on the “Accept & Continue” button.

Step 5: Complete Identity Verification

1. CIBIL will send an OTP (One-Time Password) to the mobile number you provided during registration.
2. Enter the OTP in the designated field on the website.

3. Click on the “Submit” button to complete the verification process.

Step 6: Access Your Free CIBIL Report and Score

1. Once your identity is verified, you will be redirected to the dashboard, where you can view your CIBIL score.
2. To access the detailed CIBIL report, click on the “View Report” button.

Step 7: Review Your CIBIL Report

1. Carefully review your CIBIL report, which includes your personal information, credit summary, account details, and recent inquiries.
2. Check for any inaccuracies or discrepancies in the report.

Step 8: Report Errors (if any)

1. If you find any errors or inaccuracies in your CIBIL report, you can raise a dispute by clicking on the “Dispute Resolution” link on the CIBIL website.
2. Fill out the dispute resolution form with the required information and submit it.
3. CIBIL will investigate the dispute and rectify any errors, if necessary.

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Obtaining your free CIBIL report is a simple and straightforward process. Regularly reviewing your CIBIL report allows you to monitor your credit health, detect errors, and take necessary steps to improve your credit score. By maintaining a good credit score, you increase your chances of securing loans and credit cards with favorable