{"id":1187,"date":"2018-02-17T00:11:06","date_gmt":"2018-02-16T18:41:06","guid":{"rendered":"https:\/\/www.antworksmoney.com\/blog\/?page_id=1187"},"modified":"2019-10-09T17:58:05","modified_gmt":"2019-10-09T12:28:05","slug":"check-cibil-credit-score","status":"publish","type":"post","link":"https:\/\/www.antworksmoney.com\/blog\/check-cibil-credit-score\/","title":{"rendered":"How to Check Your CIBIL Credit Score"},"content":{"rendered":"<h2>How to find your CIBIL Credit Score<\/h2>\n<p>Find your\u00a0<strong>CIBIL\u00a0credit score<\/strong>\u00a0within a few minutes in three simple steps!<\/p>\n<p>To get your CIBIL Credit Report, you will need to fill the \u2018CIBIL online credit score request form\u2019<\/p>\n<p><strong>Step 1:\u00a0<\/strong>select from the following subscription plans:<\/p>\n<p>Bi-Annual Subscription &#8211; 2 Score Reports (Rs.800)<\/p>\n<p>Quarterly Subscription &#8211; 4 Score Reports (Rs.1200)<\/p>\n<p><strong>Step 2:\u00a0<\/strong>Enter your PAN, email address, date of birth and select your gender<\/p>\n<p><strong>Step 3:<\/strong>\u00a0Input the displayed characters in the given box<\/p>\n<p><strong>Step 4:\u00a0<\/strong>Tick on the box before \u2018I acknowledge and accept the Terms and Conditions applicable and available on the site.\u2019<\/p>\n<p><strong>Step 5:\u00a0<\/strong>Click on \u2018Proceed to Payment<\/p>\n<p>Once the payment is made, you will be redirected to an authentication page. Here, you will need to answer 5 questions related to your credit history. Answering at least 3 correctly will authenticate your identity. You will receive the credit report within 24 hours in your email address.<\/p>\n<p>If authentication fails, you can send a hard copy of the application duly filled out along with your address proof and the id generated by CIBIL. You will then receive the credit report by post at the address provided by you.<\/p>\n<p><strong>Note:<\/strong>\u00a0Be advised to obtain your credit reports and credit score personally rather than getting it done through a bank. Enquiries from bankers and other financiers will negatively impact your credit score.<\/p>\n<h2>What can affect your CIBIL Credit score?<\/h2>\n<p>Mentioned below are a number of factors that may affect your CIBIL score.<\/p>\n<ul>\n<li><strong>Payment history:<\/strong>\u00a0Your payment history plays a major role in developing a good <a href=\"https:\/\/www.antworksmoney.com\/blog\/cibil\/\">CIBIL<\/a> record. Making late payments on credit cards or delaying\/defaulting on your EMIs regularly can negatively affect your credit score, indicating that you are not serious about or capable of clearing your existing debts.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Increased credit limit:<\/strong>\u00a0Increasing the current balance of your credit card may negatively affect your credit score since it is considered to enhance your repayment burden. However, increased spending on your credit card does not affect your credit score as long as you\u2019re credit utilisation is in proportion to your credit limit.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Unsecured loans:<\/strong>\u00a0A high percentage of unsecured loans such as personal loans and credit cards may affect your credit score. A balanced combination of secured and unsecured loans adds positively to your credit score.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Multiple loans &amp; Credit Cards:<\/strong>\u00a0If you have multiple loans, credits cards and new accounts, this may affect your credit score, and banks may review your loan application more carefully.<\/li>\n<\/ul>\n<div class=\"col-md-12 link-section\"><\/div>\n<h2>How to improve your CIBIL Credit score?<\/h2>\n<p>Building your CIBIL credit score is not really hard, but it does require systematic planning and execution. Some of the best ways to improve your CIBIL credit score are mentioned below.<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li><strong>Know where you stand<\/strong>\u00a0\u2013 The first step towards building your score is to know where you stand. Having an idea about your current position and preparing a target can help you work towards it. Checking this score can also help you determine if it is factual and identify any errors, if any. Immediate correction of errors could help in a quick increase of score.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li><strong>Never delay payments<\/strong>\u00a0\u2013 Procrastination is one of the harshest truths of our current world, with most of us falling prey to it. Delaying your bill payments, be it credit card or loan EMIs could see your score dipping, which makes timely payments a key role in maintaining a decent score. While a bank may be OK with ignore the first delayed payment, repeated delays could bring unwanted attention from their part.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li><strong>Mix your credit<\/strong>\u00a0\u2013 Just like variety adds spice to your life, variety in terms of credit can do a world of good to your credit score. A mix of secured and unsecured loans can reflect favourably on the score, with a varied portfolio preferred by most lending organisations. A skewed portfolio in favour of a particular type of loan (unsecured loan) could see your score taking a negative route.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li><strong>Don\u2019t max out your credit<\/strong>\u00a0\u2013 In times where we want to enjoy things to the maximum, there is a high possibility for us to go overboard when it comes to our credit limit. Staying within the limit is bound to build your score, while exceeding it could come at a price. This shows lending agencies that you are not carried away and are a responsible individual who knows his\/her limit.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li><strong>Limit your cards\/loans<\/strong>\u00a0\u2013 A quick look at our wallets will show that a number of us have more cards than we need. While a problem of plenty is good in a few cases, owning too many credit cards can have its own drawbacks. Not only does it complicate credit repayment, but it also pushes us to spend more than we need, leading to debt in our life.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<div class=\"col-md-12 link-section\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>How to find your CIBIL Credit Score Find your\u00a0CIBIL\u00a0credit score\u00a0within a few minutes in three simple steps! To get your CIBIL Credit Report, you will need to fill the \u2018CIBIL online credit score request form\u2019 Step 1:\u00a0select from the following subscription plans: Bi-Annual Subscription &#8211; 2 Score Reports (Rs.800) Quarterly Subscription &#8211; 4 Score Reports &hellip; <a href=\"https:\/\/www.antworksmoney.com\/blog\/check-cibil-credit-score\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;How to Check Your CIBIL Credit Score&#8221;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-1187","post","type-post","status-publish","format-standard","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\r\n<title>How to Check Your CIBIL Credit Score - Antworks Money<\/title>\r\n<meta name=\"description\" content=\"Find your\u00a0CIBIL\u00a0credit score\u00a0within a few minutes in three simple steps. 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