How to Check CIBIL Score for Free - Online (Hindi) - YouTube

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Hello my name is Mukul And welcome to the Asset Yogi.

Where we unlock finance knowledge.

In this video, we will talk about how you can generate CIBIL scores for free.

From the website of CIBIL, we will see how you can generate your report

What is your score and what other information is available.

This video is a part of a video series where we are discussing CIBIL scores in detail.

In the previous video, I discussed the concept of the CIBIL score and what it is.

How a good score helps you in getting a loan.

And we have also seen on which factors the CIBIL score depends.

And what are the four important factors,

So if you haven't watched that video yet, watch that video first.

In this video, we will see a credit report

And how you can see your credit report online for free.

You can see it on the website of CIBIL and you don't have to pay any change.

And along with it, we will also see what other information you get in a credit report.

So you must watch this video from beginning to end.

Let's go straight to my computer screen.

To check your CIBIL score first you will go to Google.

type "CIBIL score check" on google

When you enter, you have to click on the first organic result you get.

Ignore ads

This is the official website of CIBIL cibil.com

This window will open when you click on the link.

After that, you have to click on "get yours now".

After this, you will have to create your profile here.

So here fill in your username, password, first name and fill in all these details.

So here I have filled in all the details as a sample.

After that, you will go to Continue to Step Two.

In step 2 you will get the details like date of birth, gender, address.

You have to fill in all these details.

After that, you have to mention your I'd proof

Accordingly, your proof will appear and your profile will be created.

After that, you will click on the "continue to step 3"

In step 3 you will verify your identity

So I have already created my profile

Once you have created your profile, you will go to the member login.

I already logged in to "member login".

My profile is visible on this side and my score is visible on this side

836 is my score now

Which I also showed you in my last video, so I took the snapshot from here.

Let's see what other details are available below.

A lot of things are paid here.

So here If you want your credit summary then can upgrade for this you have to pay for it.

You can also buy your credit reports

You can watch the score history by upgrading.

So by clicking here you can view your credit report

Let us see what other details come out in the credit report.

So let's quickly see what information you get in your credit report.

Your personal information comes first.

Then contact information, employment information,

And lastly account information and inquiry information.

So here I will highlight the account information

inquiry information is most important because on its basis your credit score is decided.

Now let's quickly see what details are in it.

Your name, date of birth, and gender appear in personal information.

Your PAN and your voter ID,

with whatever identification you have logged in there, it comes

Then under the contact information your address details, telephone numbers, and email id

And see here, because I have changed my houses 3 to 4 times,

That's why 4 different address details are shown here.

After that, your employment information comes.

And maybe because I have applied for a housing loan.

It's showing a housing loan account.

After it dates reported

It is generated through the last date report. Occupaton ad income appear here

So this is your employment information.

After account information and employment information

So pay attention here In the account information,

all the details of all your previous loans or if you applied for credit cards are shown here.

So see here I have applied for Housing Loan Credit Card, Personal Loan, Consumer Loan

Then again a credit card, housing loan, housing loan

because all this has been applied so CIBIL also has all these details.

Wherever I have applied, all the details are with the CIBIL.

After it inquiry information.

Inquiry means that whenever I have inquired for a loan or any credit,

Maybe I have not taken loan and credit card from all of them

But all the inquiries that I have generated since 2009 till now,

all of them are being shown here.

From 2009 to 2018, today It has been almost 9 years,

so there is not much inquiry within 9 years.

So as we discussed in the previous video if you generate a lot of inquiries in a short period

then it can have a bad effect on your credit scores.

And as inquiry is not much.

I only enquired as much as I needed to do, so probably it didn't affect my credit score.

So today, it's showing I have an 836 credit score.

A credit score above 750 is considered a good credit score.

So as we discussed in the previous video

that NA and NH does not make much difference,

suppose if you have not done any activity within the last few years.

And you have not made any credit card payment or you have not used the credit card.

Or the loan is not paid, so it's called NA

So it becomes no credit activity.

No credit history means If you have not made an entry in your credit system.

You have not used any credit card yet.

Or you have never taken any loan.

So you don't have any credit history.

Or if you haven't generated enough credit history then also it can show you NH.

So NA and NH does not make much difference,

If you want to generate your CIBIL score then you can purchase any credit card.

If you start using it, then your credit history will also start building

And then your CIBIL score also starts generating.

So in this video, we have seen how you can generate your CIBIL score for free.

And you can generate your credit report as well.

And we have also seen all the details, what kind of details you get in the credit report.

Now in the next video, we will see how your credit score is calculated.

And how can you improve it

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