How to download your CIBIL report?

Navigating your credit journey is easier when you regularly monitor your credit report. Learn how you can access your CIBIL report online.
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2 min read
20 July 2023

CIBIL report, also known as a credit report, is a vital document that reflects your creditworthiness and financial behaviour. A significant part of the process of maintaining a healthy credit score involves downloading your CIBIL report for monitoring. In this article, we will explore the process of accessing your CIBIL report, so you can stay on top of your credit game.

CIBIL Report benefits

Before diving into the steps, let's first understand why your CIBIL report holds such significance. Your credit score, often referred to as your CIBIL Score, plays a pivotal role in determining your creditworthiness. Lenders, such as banks and financial institutions, use this score to assess the risk associated with lending you money. A higher credit score of 750+ indicates a more creditworthy individual, making it easier to secure loans, credit cards, and other financial products at attractive interest rates.

How can you download your CIBIL Report?

You can access your CIBIL Score and CIBIL health report for free with Bajaj Finserv Credit Pass. This unique CIBIL-powered offering gives you real-time updates to your Credit Health Report and monthly CIBIL Score checks, so you can stay up to date on your credit standing.

Signing up is an easy, 3-step process:

  1. Visit the Credit Pass page and click on ‘UNLOCK NOW’
  2. Authenticate your identity with the OTP sent to your mobile number
  3. Provide basic details like your name and PAN information before clicking ‘Submit’

Once you receive your 12-digit Credit Pass number, you can log in and monitor all your credit accounts from your personalised dashboard.

Regularly checking your CIBIL report allows you to track your credit health and take the necessary steps to improve your credit score over time. Remember, a good credit score opens doors to better financial opportunities. By following responsible financial practices and availing of the Credit Pass benefits, you can pave the way for a more secure financial future. Sign up today to make the most of the limited time offer: free, unlimited access to all Credit Pass tools for an entire year!

Disclaimer:

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Frequently asked questions

What is included in your CIBIL report?

Your CIBIL report includes your CIBIL Score, your credit enquiries, credit repayment history, and more. You can also review your CIBIL report to identify errors in your credit profile.

How long does information stay on a credit report?

The credit information on a CIBIL report generally stays on the report for up to 7 years from the date of closure of the credit account.

Can I dispute information on my credit report?

Yes, you can raise a dispute if you find any errors or inaccuracies in your credit report. Notify CIBIL, and it will will investigate the issue and help you with a resolution through its consumer dispute resolution process.

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