Credit Score
Credit score, explained
India has four credit bureaus, not one. These guides cover what each holds on you, how to get your reports free, and what genuinely moves your score.
Start here
Check your credit score free
How to get your full report, with score, free from each of the four bureaus.
Read the guide →Improve your CIBIL score
The handful of things that actually move a score, and how long each takes.
Read the guide →A realistic credit plan
What moves a score, in what order, and how long each change takes.
Read the guide →Credit score for a home loan
What score lenders look for, and what else decides a home loan.
Read the guide →Settled vs closed
What a loan settlement really does to your credit report.
Read the guide →We do not show your score. Displaying a live credit score needs a data agreement with a credit bureau, which CreditBharosa does not have — so we will not simulate one. The free-report guide above shows how to get your real score directly from each bureau.