A credit score is issued by several agencies in India. One such authorised body by the RBI to issue credit scores and ratings is the Credit Information Bureau (India) Limited. As per RBI guidelines, these institutions are mandated to provide you a free credit score check once a year.
You can easily check your CIBIL score online by logging onto www.cibil.com and receive your credit report. After the request is submitted, you would have to provide the requisite identification and address proof documents. You would also have to make a payment to CIBIL, if you have already availed a free check in the year. You can also know your score offline by visiting the bureau or apply for a credit report through post. While applying via post, you may have to furnish your documents. Once these are verified and authenticated, your credit report is sent to you by mail.
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