how to free credit report

You are entitled to a free credit report from each of the four main credit bureaus in India (CIBIL/TransUnion, Equifax, Experian, and CRIF High Mark) once every calendar year as mandated by the RBI. You can access your report directly through the respective bureau's official website or through other authorised financial platforms. Regularly checking your own credit report is recommended, as it is a soft inquiry and does not negatively affect your credit score.