how to check credit report

You can check your credit report and score directly through the four major credit bureaus in India: TransUnion CIBIL, Experian, Equifax, and CRIF Highmark. You are legally entitled to receive one free credit report from each bureau annually. Many financial institutions and trusted online platforms also offer free monthly credit score checks and reports. You typically need to provide personal details like your name, mobile number, and PAN card for verification to access your report online.