Complete Guide: 40+ Best Platforms to Check Credit Score for Free in India (November 2025)

Complete Guide: 40+ Best Platforms to Check Credit Score for Free in India (November 2025)

Your credit score is one of the most important financial metrics in today's world. Whether you're applying for a credit card, personal loan, home loan, or even renting a property, lenders and landlords check your credit score to assess your creditworthiness. In India, your credit score ranges from 300 to 900, with a score of 750 or above considered excellent.

The good news? You don't need to spend ₹1,000+ annually on paid CIBIL memberships to monitor your credit health. There are 40+ platforms offering free credit score checks from various credit bureaus including CIBIL, Experian, Equifax, and CRIF High Mark.

Understanding Credit Bureaus in India

India has four major credit bureaus licensed by the Reserve Bank of India (RBI):

  1. TransUnion CIBIL - India's oldest and most widely used credit bureau (established in 2000)
  2. Experian - Global credit information company operating in India since 2010
  3. Equifax - Operating in India since 2010 as a joint venture
  4. CRIF High Mark - Specializes in retail, microfinance, MSMEs, and commercial borrowers

Each bureau uses its own algorithm to calculate credit scores, which is why your score may vary slightly across different bureaus. However, CIBIL remains the most preferred by over 90% of Indian lenders.

Why Check Your Credit Score Regularly?

✅ Loan Approvals - Banks check your score before approving loans ✅ Better Interest Rates - Higher scores get lower interest rates ✅ Identify Errors - Spot and correct mistakes in your credit report ✅ Fraud Detection - Monitor for unauthorized credit inquiries ✅ Track Progress - See improvements from good financial habits ✅ Pre-Approved Offers - Qualify for exclusive credit card and loan offers

40+ Free Platforms to Check Your Credit Score

Mobile Payment Apps

1. PhonePe - Experian Score

  • Credit Bureau: Experian
  • Frequency: Once a month
  • How to Access: Open PhonePe app → Credit Section → Check Credit Score
  • Play Store Link: PhonePe UPI, Payment, Recharge
  • Special Feature: Free credit score with detailed credit insights including utilization, credit age, and payment history

2. Google Pay (GPay) - CIBIL Score

  • Credit Bureau: CIBIL (TransUnion CIBIL)
  • Frequency: Once a month
  • How to Access: Open GPay → Scroll down → "Check your CIBIL score for free"
  • Play Store Link: Google Pay: Save and Pay
  • Special Feature: Simple interface with credit ranking system

3. Paytm - CIBIL/Experian/Equifax (Random)

  • Credit Bureau: CIBIL, Experian, or Equifax (varies by user)
  • Frequency: Once a month
  • How to Access: Paytm app → Loans & Credit Cards → Free Credit Score
  • Play Store Link: Paytm: Secure UPI Payments
  • Note: The bureau shown varies - some users get CIBIL, others Experian or Equifax

Dedicated Credit Score Apps

4. OneScore - CIBIL + Experian

  • Credit Bureau: CIBIL and Experian (both bureaus)
  • Frequency: Once a month for each bureau
  • Play Store Link: OneScore: Credit Score App
  • Special Features:
    • Check both CIBIL and Experian scores
    • Score Planner feature
    • Personalized insights to improve credit
    • Track loan and credit card repayment history
  • Why It's Great: Over 35 million Indians use OneScore for comprehensive credit monitoring

5. CRED - CIBIL Score

  • Credit Bureau: CIBIL (previously offered CRIF + Experian)
  • Frequency: Once a month
  • Play Store Link: CRED: UPI, Credit Cards, Bills
  • Special Feature: Earn CRED coins while paying credit card bills

6. GoodScore - Experian + CRIF Score

  • Credit Bureau: Experian and CRIF High Mark
  • Frequency: Monthly
  • Play Store Link: GoodScore: Credit Score Check
  • Special Feature: Personalized video recordings and detailed analysis of credit accounts.

Financial Comparison Platforms

7. PaisaBazaar - CIBIL + Experian + CRIF + Equifax (All 4 Bureaus!)

  • Credit Bureau: All four - CIBIL, Experian, CRIF High Mark, and Equifax
  • Frequency: Once a month per bureau
  • Play Store Link: Paisabazaar-Loans,Credit Score
  • Special Features:
    • Compare scores across all 4 bureaus
    • PB Assist AI Chatbot for credit advice
    • Score Predictor to simulate credit actions
    • Video Credit Report
    • Personalized loan and credit card offers
  • Why It's Great: The ONLY platform offering all 4 bureau scores for free!

8. BankBazaar - Experian Score

  • Credit Bureau: Experian
  • Frequency: Once a month
  • Play Store Link: Credit Score & Credit Cards
  • Note: Many users report spam calls and misleading practices - NOT RECOMMENDED

Banking Apps

9. ICICI Bank iMobile - CIBIL Score

  • Credit Bureau: CIBIL
  • Frequency: Once in 45 days
  • Play Store Link: iMobile: Loan, Cards & Banking
  • Eligibility: Free only for Wealth Management customers
  • Note: Regular customers may have limited access

10. Kotak Bank - Experian Score

11. Fi Money App - Experian Score

Fintech & Neo-Banking Apps

12. Jupiter Money - CIBIL Score

  • Credit Bureau: CIBIL
  • Frequency: Once a month
  • How to Access: Open Jupiter app → My Space → Credit Cards section → Scroll down → Credit Score
  • Play Store Link: Jupiter: Cards, UPI, Banking
  • Special Feature: Neo-banking app with credit score monitoring

13. Freo - CRIF Score

Digital Wallets & UPI Apps

14. Airtel Thanks App - CRIF Score

  • Credit Bureau: CRIF High Mark (CIBIL discontinued)
  • Frequency: Once a month
  • Play Store Link: Airtel Thanks: Recharge & Bank
  • Note: Previously offered CIBIL, now shows only CRIF

15. Mobikwik - CRIF Score

  • Credit Bureau: CRIF High Mark
  • Frequency: Once a month (every 29 days)
  • Play Store Link: MobiKwik: BHIM UPI & Wallet
  • Special Feature: Easy credit monitoring through wallet app

16. Freecharge - Experian Score

E-commerce & Shopping Apps

17. Amazon App - CIBIL Score

  • Credit Bureau: CIBIL
  • Frequency: Once a quarter (every 3 months)
  • Play Store Link: Amazon India Shop, Pay, miniTV
  • Special Feature: Check score while shopping

18. Tata Neu - Experian Score

  • Credit Bureau: Experian
  • Frequency: Available (frequency varies)
  • How to Access: Tata Neu app → NeuPass Tab → "My Credit"
  • Play Store Link: Tata Neu: Shop, Travel, Finance

Investment & Trading Platforms

19. Groww - Experian Score

  • Credit Bureau: Experian
  • Frequency: Once a month
  • Play Store Link: Groww Stocks, Mutual Fund, IPO
  • Eligibility: Limited to Groww users
  • Special Feature: Check credit score alongside your investment portfolio

20. Zerodha (Kite) - Experian Score

  • Credit Bureau: Experian
  • Frequency: Once a month
  • Play Store Link: Zerodha Kite - Trade & Invest
  • Special Feature: Investment and credit monitoring in one platform

21. INDMoney App - Experian Score

  • Credit Bureau: Experian (also offers CIBIL, Equifax, CRIF in premium)
  • Frequency: Once a month
  • Play Store Link: INDmoney: NRI Investment App
  • Special Features:
    • All-in-one wealth management
    • Track US stocks with zero transfer fees
    • 6.5% fixed deposit interest rate

Loan & Finance Apps

22. Payme India - CIBIL Score

  • Credit Bureau: CIBIL
  • Frequency: Whenever you want (unlimited checks)
  • Play Store Link: Quick Personal Loan App- PayMe
  • ⚠️ Warning: Be ready for spam calls and promotional messages

23. Wishfin - CIBIL Score

24. Indialends - CIBIL Score

25. CreditMantri - Equifax Score

  • Credit Bureau: Equifax
  • Frequency: Once a month
  • Play Store Link: CreditFit: Loans, Credit Score
  • Special Feature: Free credit health check and improvement recommendations

26. BharatPe - Experian Score

27. Poonawalla Fincorp - CIBIL Score

  • Credit Bureau: CIBIL
  • Frequency: Whenever you want (unlimited)
  • Play Store Link: Poonawalla Fincorp
  • ⚠️ Warning: Be ready for spam calls

28. Navi App - CIBIL Score

29. MyMoneyKarma - Equifax Score

  • Credit Bureau: Equifax
  • Frequency: Once a month
  • Link: MyMoneyKarma Website (App availability varies)

30. MoneyView - CIBIL/Equifax

Other Finance Apps

31. Bank Karo - CRIF Score

32. Kiwi - Experian Score

33. Super.Money App - Experian Score

34. Bajaj Finserv - CIBIL/Experian

  • Credit Bureau: CIBIL and Experian
  • Frequency: Once a month
  • Play Store Link: Bajaj Finserv: UPI, Loans
  • Special Feature: Comprehensive financial services platform

35. Moneycontrol - CRIF Score

36. Shriram Finance App - CRIF Score

Special Platforms

37. Experian WhatsApp - Experian Score (RECOMMENDED!)

  • Credit Bureau: Experian
  • Frequency: Whenever needed (on-demand)
  • How to Access: Send "Hey" or "Hi" to +91-9920035444
  • Link: https://wa.me/message/LBKHANJQNOUKF1
  • Special Features:
    • First credit bureau in India to offer WhatsApp service
    • Instant score delivery
    • Request password-protected full credit report via email
    • Quick, secure, and convenient
  • Why It's Great: Access your score anytime without downloading apps!

38. Zet App - Experian Score

  • Credit Bureau: Experian
  • Frequency: Once a month
  • Play Store Link: ZET- Credit Card, Credit Score
  • Special Feature: Offers SBM ZET secured credit card to build credit score

39. Abcd App - Equifax + Experian

  • Credit Bureau: Equifax and Experian (both)
  • Frequency: Once a month
  • Play Store Link: ABCD Aditya Birla Capital
  • Special Feature: Two bureau scores in one app

40. Fibe (formerly EarlySalary) - Equifax Score

41. Oolka App - Credit Score

42. RupeeQ - Credit Score

  • Credit Bureau: Various bureaus
  • Frequency: Once a month
  • Link: RupeeQ Website

43. Piramal Finance - Equifax Score

Discontinued Services (No Longer Available)

The following platforms previously offered free credit scores but have discontinued the service:

❌ LazyPay - CIBIL (Discontinued) ❌ SBI Home Loan - CIBIL (Discontinued) ❌ Yes Bank - CIBIL (Discontinued) ❌ RBL Bank - CIBIL (Discontinued) ❌ Axis Bank - CIBIL (Discontinued) ❌ HDFC Bank - CIBIL (Discontinued) ❌ KhataBook - Experian (Discontinued)

Our Top 5 Recommended Platforms

Based on features, reliability, and user experience, here are our top recommendations:

🥇 1. PaisaBazaar

Why: Access to all 4 credit bureaus (CIBIL, Experian, CRIF, Equifax), AI chatbot, score predictor

🥈 2. OneScore

Why: Both CIBIL and Experian scores, 35M+ users, excellent insights and score planner

🥉 3. Experian WhatsApp

Why: Instant access via WhatsApp, no app needed, on-demand checks

4. PhonePe

Why: Trusted platform, clean interface, detailed credit insights

5. Google Pay

Why: Simple, trusted, integrated with daily payment app

Quick Comparison Table

Platform CIBIL Experian Equifax CRIF Frequency Spam Risk
PaisaBazaar ✅ ✅ ✅ ✅ Monthly Low
OneScore ✅ ✅ ❌ ❌ Monthly Low
PhonePe ❌ ✅ ❌ ❌ Monthly Low
Google Pay ✅ ❌ ❌ ❌ Monthly Low
Paytm ✅* ✅* ✅* ❌ Monthly Low
Experian WhatsApp ❌ ✅ ❌ ❌ On-demand None
CRED ✅ ❌ ❌ ❌ Monthly Low
Bajaj Finserv ✅ ✅ ❌ ❌ Monthly Medium
Jupiter Money ✅ ❌ ❌ ❌ Monthly Low
Mobikwik ❌ ❌ ❌ ✅ Monthly Low
Groww ❌ ✅ ❌ ❌ Monthly Low
Zerodha ❌ ✅ ❌ ❌ Monthly Low
CreditMantri ❌ ❌ ✅ ❌ Monthly Low
Payme India ✅ ❌ ❌ ❌ Unlimited HIGH
Poonawalla ✅ ❌ ❌ ❌ Unlimited HIGH
BankBazaar ❌ ✅ ❌ ❌ Monthly HIGH

*Paytm shows different bureaus for different users randomly

Understanding Credit Score Ranges

CIBIL/Experian/Equifax/CRIF Score Ranges:

Score Range Rating Loan Approval Chances
300-549 Poor Very Difficult
550-649 Average Difficult, higher interest
650-699 Fair Moderate
700-749 Good Good chances
750-900 Excellent Very High, best rates

What Affects Your Credit Score?

  1. Payment History (35%) - Most important factor

    • Pay all EMIs and credit card bills on time
    • Even one missed payment impacts your score significantly

  2. Credit Utilization (30%) - Keep below 30%

    • Don't max out your credit cards
    • Maintain low Credit Utilization Ratio (CUR)

  3. Credit History Length (15%)

    • Longer credit history is better
    • Don't close old credit card accounts

  4. Credit Mix (10%)

    • Healthy mix of secured and unsecured loans
    • Credit cards + loans show diverse credit management

  5. Credit Inquiries (10%)

    • Too many loan applications hurt your score
    • Hard inquiries lower your score temporarily

How to Check Your Credit Score - Step by Step

Method 1: Using Mobile Apps (Recommended)

  1. Download the app from Google Play Store or Apple App Store
  2. Register with your mobile number
  3. Complete KYC verification (PAN card, date of birth)
  4. Agree to terms and conditions
  5. View your credit score instantly

Method 2: Using WhatsApp (Easiest!)

  1. Save +91-9920035444 in your contacts
  2. Send "Hey" or "Hi" on WhatsApp
  3. Follow the automated instructions
  4. Provide your mobile number and basic details
  5. Receive your Experian score instantly

Method 3: Direct Bureau Website

  1. Visit CIBIL.com, Experian.in, Equifax.co.in, or CRIFHighmark.com
  2. Click on "Free Credit Score" or "Get Your Report"
  3. Register with email and create password
  4. Enter personal details (PAN, DOB, address)
  5. Complete mobile OTP verification
  6. View your credit score

Note: Official bureau websites offer one free report per year. For monthly updates, use third-party platforms.

Important Tips & Warnings

✅ DO:

  • Check your score at least once a month
  • Monitor all 4 bureaus if possible (scores may vary)
  • Report errors immediately through dispute resolution
  • Use soft inquiry platforms (doesn't affect score)
  • Keep old credit accounts open

❌ DON'T:

  • Use BankBazaar (reports of spam and misleading practices)
  • Share your credit report password with anyone
  • Apply for multiple loans/credit cards simultaneously
  • Ignore errors in your credit report
  • Fall for platforms promising "instant score improvement"

⚠️ Spam Warning:

These platforms are known for excessive marketing calls:

  • Payme India
  • Poonawalla Fincorp
  • Indialends
  • BankBazaar

Frequently Asked Questions

Q: Does checking my credit score affect it? A: No! Checking your own score is a "soft inquiry" and doesn't impact your credit score.

Q: Why are my credit scores different across bureaus? A: Each bureau uses different algorithms and may receive data at different times from lenders.

Q: Which credit score do banks prefer? A: In India, over 90% of lenders prefer CIBIL scores, but many also check Experian.

Q: Can I check all 4 bureau scores for free? A: Yes! PaisaBazaar is the only platform offering all 4 bureau scores for free.

Q: How often should I check my credit score? A: At least once a month, especially if you're planning to apply for loans or credit cards.

Q: What's the minimum score needed for loan approval? A: Most lenders prefer 750+, but some NBFCs may approve loans with scores as low as 650-700.

Q: Can I improve my credit score quickly? A: It takes 3-6 months of consistent good credit behavior to see significant improvements.

Q: Is WhatsApp credit score checking safe? A: Yes! Experian's WhatsApp service is official and secure, using encrypted messaging.

How to Improve Your Credit Score

  1. Pay all bills on time - Set up auto-debit for EMIs and credit card payments
  2. Keep credit utilization below 30% - Don't use more than 30% of your credit limit
  3. Don't apply for too much credit - Space out loan/credit card applications
  4. Maintain old credit accounts - Don't close old credit cards
  5. Check for errors regularly - Dispute inaccuracies immediately
  6. Diversify your credit - Mix of credit cards and loans
  7. Pay off outstanding debts - Clear any pending dues
  8. Avoid settling debts - Always pay in full, not "settled"

Conclusion

With 40+ platforms offering free credit score checks in India, there's no excuse for not monitoring your credit health regularly. Whether you prefer the convenience of WhatsApp (Experian), the comprehensive coverage of PaisaBazaar (all 4 bureaus), or the trusted interface of PhonePe and Google Pay, you have plenty of options.

Our Recommended Strategy:

  1. Use PaisaBazaar for monthly monitoring of all 4 bureaus
  2. Use Experian WhatsApp for quick on-demand checks
  3. Use OneScore for both CIBIL and Experian with insights
  4. Check at least once a month to stay on top of your credit health

Remember: A good credit score (750+) is your ticket to better loan terms, lower interest rates, and faster approvals. Start monitoring your credit score today and take control of your financial future!

Additional Resources

Direct Credit Bureau Links:

Experian WhatsApp Service:

Last Updated: November 21, 2025

Disclaimer: This information is for educational purposes only. Platform features and availability may change. Always verify current terms and conditions on respective platforms. Some platforms may require KYC verification and are subject to eligibility criteria.

Have you found another platform that offers free credit scores? Share your experience in the comments below!

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