how to get free credit report

You can get your free credit report from credit information companies (CICs) or through online platforms. As per RBI guidelines, you are entitled to one free credit report annually from each of India's four credit bureaus: CIBIL, Equifax, Experian, and CRIF High Mark. To obtain your report, you typically need to visit the respective bureau's website or an authorized financial service provider, register, and complete a simple verification process with details like your PAN and mobile number. Checking your own report will not affect your credit score.