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Check your credit score free
Know where you stand before you apply. A Credsey advisor will pull your report, explain it, and show you how to improve it — at no cost and with no impact on your score.
What your score means
| Score | Rating | What to expect |
|---|---|---|
| 750 – 900 | Excellent | Best rates and fastest approvals from most lenders. |
| 700 – 749 | Good | Approvals likely; rates may be slightly higher. |
| 650 – 699 | Fair | Limited options; consider improving your score first. |
| 300 – 649 | Needs work | Focus on clearing dues; secured loans remain an option. |
What affects your score
- Payment history (about 35%) — on-time EMIs and card bills.
- Credit utilisation (about 30%) — how much of your card limits you use.
- Credit age (about 15%) — how long you've had credit.
- Credit mix and enquiries (about 20%) — types of credit and recent applications.
Read our guide: How to improve your CIBIL score.
Get your free score report
Share your details and an advisor will help you check your score and explain your report.
What is a good credit score?
On the CIBIL scale of 300–900, a score of 750 or above is considered good and helps you get faster approvals and lower interest rates.
Does checking my own score lower it?
No. Checking your own score is a soft enquiry. Only lender enquiries made when you apply for credit are hard enquiries.
How often is my score updated?
Lenders report to credit bureaus every month, so your score can change every 30–45 days.
Can I get a loan with a low score?
Yes, but options are limited and usually more expensive. Secured loans such as gold loans don't depend on your score. Our advisors can suggest the best route.