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Get your Credit Score in simple steps


Enter your personal details
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Check your credit reports
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What is credit score and credit report?

Credit score is a three-digit numeric representation of your financial health, ranging between 300 and 900. On the other hand, credit report is a detailed breakdown of your credit score that keeps a record of your financial activities and repayment history.

Why should I check my credit report?
What if my credit score is low?

It may be noted that banks and credit unions check your credit report before sanctioning you a loan or new credit. If your credit score don’t fall in their eligible criteria, your loan application might get rejected or the application may be approved at comparatively higher interest rates.

What should I look for while checking credit report?

Scan your personal information, number of credit accounts (active and closed), total outstanding, credit history, and derogatory remarks, if any. In case of any inaccuracy or misinformation, raise a dispute immediately to get the issue rectified.

Will checking my credit report hurt my credit score?

It is completely a myth that checking your own credit report will hurt your credit score. When you check your own credit report, it pulls a soft inquiry and soft inquiry does not affect your credit score.

How is my credit score calculated?

Your credit score is calculated considering certain factors about your credit behavior, including credit history, amount of credit owed, credit utilization, credit mix (secured and unsecured loan or credit), credit age, new credit, and derogatory remarks, if any.

What is considered as derogatory remarks in a credit report?

Derogatory remarks indicate red flags on your credit report, which may stay for up to 7 to 10 years. Collection account, bankruptcy, late payments, civil judgment, debt settlement, foreclosure, and tax lien are some of the examples of derogatory remarks on a credit report.