How to check your real credit score?

To check your real credit score, visit the official websites of the four RBI-licensed credit bureaus: TransUnion CIBIL, Experian, Equifax, or CRIF High Mark. As per RBI guidelines, every individual is entitled to one free full credit report from each bureau once per calendar year. You need to provide details like your name, mobile number, and PAN card for identity verification. Once verified via OTP, you can view and download your 3-digit credit score, which typically ranges from 300 to 900.