Your CIBIL score is one of the most important numbers that banks and lenders look at before approving any loan or credit card. Unfortunately, many people still don’t check their credit report regularly. The good news? Every Indian citizen is entitled to get one free CIBIL report every year directly from the official website.
In this guide, we’ll show you exactly how to download your free CIBIL report step by step, why it’s important, and what to do if you find errors in your report.
Why Should You Check Your CIBIL Report?
Your CIBIL report shows:
– Your loans (personal loan, home loan, vehicle loan, credit cards)
– Your payment history
– Any settled, written-off, or overdue accounts
– Any disputes or mistakes
Checking this helps you:
– Spot errors that may lower your score
– Correct wrong information
– Plan to clear negative remarks in advance
– Increase your chances of getting a loan approved faster
Steps to Download Your Free CIBIL Report
Step 1: Visit the Official CIBIL Website
Go to www.cibil.com. This is the only official site for CIBIL reports.
Step 2: Click on ‘Get Your Free CIBIL Score’
Look for the option that says ‘Get Your Free CIBIL Score’. Click it to proceed.
Step 3: Fill Out the Required Details
Enter your basic details:
– Full Name (as per PAN)
– Date of Birth
– PAN Card Number
– Email ID and Mobile Number
Double-check that your PAN number is correct — this is the main link to your credit data.
Step 4: Complete OTP Verification
Once you fill the form, you’ll receive a one-time password (OTP) on your mobile number. Enter the OTP to continue.
Step 5: Access and Download Your Report
After verification, you’ll see your CIBIL report on the screen. Download it as a PDF and keep it for your records.
What to Check in Your CIBIL Report
When you open your report, check these points carefully:
?? Are all your loan accounts correct?
?? Are there any loans you never took?
?? Are any settled or written-off accounts showing open?
?? Is your personal information correct?
What to Do If You Find an Error
If you see mistakes — don’t ignore them. Small errors can drop your score by 50–100 points easily. You can:
– File an online dispute on the CIBIL website.
– Contact your bank for a correction.
– Or, get help from trusted credit repair professionals.
At Credit Experts, we help people clear wrong remarks, update closed loans, and remove errors properly with the bank and credit bureau.
Need help?
www.creditexperts.in
+91 9743430811 | support@creditexperts.in