Credit Score Simulator

Our Credit Score Simulator shows you the likely impact of a loan or credit card application on your credit score. See how a new loan, timely installment payments, a missed EMI, or an overdue credit card payment can impact your credit score.

Legal Disclaimer:

The Score Simulator is designed to help you understand how different credit scenarios may affect your CIBIL Score. However, Score Simulator cannot be used as a prediction tool to guarantee any outcome. This simulator is meant for informational and educational purposes only and is to be used as merely an indicator of a hypothetical score based on the scenarios chosen by the user. It is only an estimate and does not provide a guaranteed result. TransUnion CIBIL shall not be liable or responsible for any errors or omissions, including but not limited to technical inaccuracies. Further, TransUnion CIBIL shall not be liable for the consequences of any decisions or actions taken in reliance upon and / or based on the result of the information / tools provided by this Simulator. TransUnion CIBIL shall not be held liable and/or responsible for any losses/ claims / damages caused to the user in any manner whatsoever. TransUnion CIBIL disclaims all such liabilities.

Frequently asked questions

Does using the Credit Score Simulator have any effect on my credit score?

No, using the Credit Score Simulator will not affect your credit score. This tool should be used to explore the potential impact of different financial decisions. The estimated score generated is only for representation purposes to help you understand the impact of your credit behaviour. The tool does not guarantee that your score will be the same in a real situation.

Is the score generated by the Credit Score Simulator accurate?

Yes, the score generated by the Credit Score Simulator is accurate as it reflects the potential impact on your credit score based on your financial decision. It may not necessarily reflect the same in real-life scenario. The tool allows you to choose from only a few credit-related scenarios.

How does the Credit Score Simulator help me?

Your credit score plays a critical part in the loan application process. Understanding how various credit behaviours are likely to impact your credit score using the Credit Score Simulator tool can help you make informed credit decisions.

Where can I find the Credit Score Simulator?

When you apply for our Credit Pass, you get access to the Credit Score Simulator. Once you have an active subscription, you can access the tool in your Credit Pass account whenever you want. The calculator only predicts how your score could get affected if you carry out a particular action, it has no direct impact on your score.

To register for Credit Pass at Rs. 299, click here.

If you already have a Credit Pass, click here to log in and check score.

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