Check Your Credit Score FREE

Why Choose Paytm to
Check Credit Score?

• 
  Easy updates & monitoring

  Get monthly score update and monitoring from CIBIL, 12 FREE reports in a year

• 
  Detailed Analysis

  Keep track of your credit accounts, debts and help to improve or maintain credit score

• 
  Secure

  Your personal information is 100% secured with us and will not be shared in any form with third parties

• 
  Exclusive loan offers

  Get Personalised Loan offers based on your Credit Score

What factors impact your
CIBIL Score?

• 
  Payment History High Impact

  Payment history is a record of on-time payments and late/missed payments of all your credit cards and loan accounts

  High Impact
• 
  Credit Mix Low Impact

  Credit mix refers to the different type of credit cards and loans in your credit profile. Lenders closely look at the ratio of secured to unsecured debt in your credit report

  Low Impact
• 
  Credit Utilization High Impact

  Credit card utilization is the percentage of Credit limit that you have used as on date

  High Impact
• 
  Credit Enquiries Low Impact

  Enquiries performed by banks & financial institutions on your behalf based on your loan or credit card application

  Low Impact
• 
  Length of Credit History Medium Impact

  Credit History represents the age of all your loan and credit card accounts

  Medium Impact

Tips to improve your
Credit Score

• 

  Given the Moratorium news, track your financial report in current times and ensure it is error free

• 

  Make timely payments and set up automatic payments to avoid making delay in payments

• 

  Pay your credit card bills before due date and Loan EMIs on time

• 

  Reduce utilization of credit card limits

• 

  Don’t apply for loans and credit cards with multiple banks

• 

  Obtain your Credit Report regularly and check for errors