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Table of Content
1. Steps to Check Your CIBIL Score With an Aadhaar Card? |
2. Ways to Get Your CIBIL Score Without Aadhar |
3. CIBIL Score Range |
4. What Affects Your CIBIL Score? |
Written By
Reviewed ByKeeping tabs on your credit score is crucial these days. It impacts everything from loan approvals to credit cards. This guide focuses on using your Aadhaar card, a common ID for Indian residents, to check your CIBIL score online. Even if you’re new to credit or want an update, we’ll walk you through the simple steps to access your credit information using your Aadhaar card. Let’s unlock your financial health!
Steps to Check Your CIBIL Score With an Aadhaar Card?
Checking your CIBIL score using an Aadhaar card involves a few straightforward steps. Here’s how you can do it:
- Head to the CIBIL website.
- Look for the “Free Cibil Score Report” section and follow the instructions to access the free annual report.
- Enter your personal information, such as name, date of birth, and contact details, accurately.
- Choose Aadhaar card verification when prompted for ID proof.
- Input your 12-digit Aadhaar number exactly as it appears on your card.
- Verify your identity using the one-time password (OTP) sent to your Aadhaar-registered mobile number.
- Submit your request, and you should be able to see your CIBIL score and credit report.
Ways to Get Your CIBIL Score Without Aadhar
Apart from using Aadhaar card verification, here are alternative ways to get your CIBIL score:
- PAN Card: This common ID is used to verify your identity and retrieve your CIBIL score.
- Passport: If you have a passport, some platforms can use it to access your credit report.
- Voter ID: Certain platforms accept it as valid proof for checking your CIBIL score.
- Driver’s License: The number can be used by some platforms to verify your identity and show your credit score.
CIBIL Score Range
| CIBIL Score Range | Meaning |
| 300-549 | Poor – Considered a high risk of default. |
| 550-649 | Fair – Considered a moderate risk. |
| 650-749 | Good – Considered a low risk, with most lenders likely to offer loans. |
| 750-900 | Excellent – Indicates very low risk, with attractive interest rates likely. |
What Affects Your CIBIL Score?
Your CIBIL score is influenced by various factors, which can either boost your creditworthiness in the eyes of lenders or detract from it. Here are some key factors that affect your CIBIL score:
- Pay on time: This is the golden rule! Late payments hurt your credit score the most.
- Don’t max out your credit cards: Keep your credit card balances lower than your credit limit. The lower the ratio, the better.
- Build a credit history: The longer you’ve borrowed and repaid responsibly, the stronger your score.
- Mix it up: Having a variety of loans, like a home loan and a credit card, shows you can handle different types of credit.
- Apply for new credit wisely. Too many applications in a short time can lower your score. Only apply when you need it.
- Manage your overall debt: Don’t take on more debt than you can comfortably handle, including credit cards, loans, etc.
- Space out credit inquiries: Applying for multiple loans or credit cards close together can raise a red flag.
FAQs
How can I check my CIBIL score online with an Aadhar card for free?
How can I check my CIBIL score on mobile?
How can I check my CIBIL score on WhatsApp?
Can I check my CIBIL score without a PAN card?
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