cibil score

In India, a CIBIL score is determined based on a borrower’s history of on-time payments and ranges from 300 to 900. You can check this score via the Wishfin CIBIL Score platform or any other Credit Score App. An applicant may not be approved for unsecured loans like personal loans if their credit score is between 600 and 650. However, candidates can access all available credit options at 750 or higher. 

Therefore, when someone asks for a loan product or a credit card, it becomes necessary to check their Credit score. The companies quickly clear a candidate with a high Credit score for most credit facilities, including the most lucrative ones.

People with credit histories know how their payment habits affect their CIBIL score, but many are still uninformed about basic procedures like monitoring their credit score. This article provides instructions on operating the Wishfin Credit Score platform or other ways to check your credit report and score online.

How Can I Check My Online CIBIL Score?

There are numerous paths that you can take to check your score online. These paths include –

CIBIL Score Check via PAN Card

Here are some easy instructions on how to visit your CIBIL ID and see your score using the PAN card for free:

  • Select the Credit score page after opening the website on your browser 
  • Please give your full name as it appears on your PAN card.
  • Put in your birthdate.
  • Select your gender.
  • Punch in the PAN card number.
  • Type your mailing address. 
  • Give the email address where you wish to get your credit report.
  • Put in your mobile number.
  • Click Submit.

Other Methods to Check Your Credit Score on Wishfin

You can use an Aadhaar card for the procedure on Wishfin. You need an Aadhaar card with your home location listed to verify your Credit score. Your mobile number also works for the process. You must input your mobile number and the other information mentioned in the PAN Card Section above to verify your CIBIL score.

Why should I check my credit score on Wishfin?

Wishfin, the first authorised partner of CIBIL, offers your credit score without charge. No matter how frequently you visit your CIBIL score, it is a free service, and doing so has no impact on your score. Contrary to the official CIBIL website, where repeat visits result in a lower score and you must spend INR 550 or more, you can check your score there for free.

What if you have a low credit score?

This is not the end of the world. You can apply for a credit product even if, by chance, you hold a bad credit score. The only requirement is that you repay the loan on time to help raise your CIBIL score. However, it is simpler for the credit company to trust the borrower’s repayment behaviour, and a high credit score holder gets good deals.

Why is it crucial to keep a high CIBIL score?

We occasionally ponder the value of having a high CIBIL score. However, you should be aware that having a high credit score entitles you to favourable terms on credit cards and loans for credit products. It does not imply that people without credit histories cannot apply for a loan or credit products. 

How Can I Keep My CIBIL Score High?

After knowing the importance of a high credit score, the first question that comes to mind is how? You can ensure it by doing the following actions:

  • Paying the credit card bill or loan EMI on time.
  • Judiciously use credit card credit limits.
  • Have an appropriate mix of secured and unsecured obligations.
  • Requesting the loan amount per your income and ability to repay.

So what types of credit facilities are available to people with bad credit?

You can still obtain secured loans with a low Credit score through a CIBIL Score App, including gold loans, home loans, or loans backed by stocks. These loans have collateral as security. Lenders are therefore comfortable financing you as a result. In the event of a default, the lender has the right to sell the collateral to recoup its losses.


The Credit score is fundamental in the long run. This score helps you secure credit products quickly. Thus, it is crucial to maintain a high score (preferably above 750) to avail of all the benefits. 

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