check CIBIL Score

How to check CIBIL Score Through Smartphones

Mobile phones have become the most important thing to get and yet some people find it difficult to access it for everything. One of the most concerning information is the credit history of an individual.

Credit history represents how have you treated the repayment of a debt. It is visible through the CIBIL score and the status of your loan, whether it is settled or have been repaid on time. When you can get this thing on smartphones, it becomes so easy to keep a track of it. To know how to check CIBIL score via mobile, you should read this article.

Steps to check CIBIL score by PAN Card

You can simply follow the below steps to check your CIBIL score via mobile. You can visit Wishfin which is the first official fintech partner of CIBIL. The online portal provides CIBIL check within a few minutes.

  1. Visit CIBIL score page
  2. Provide your full name as mentioned on the PAN card
  3. Enter your Date of Birth
  4. Choose the gender you belong to
  5. Mention your PAN card number
  6. Enter your contact address
  7. Provide the email ID fn which you want to get the credit report
  8. Enter your mobile number
  9. Submit the form

On the successful submission of the CIBIL score form, you will get a confirmation on your email ID. You will also get the detailed credit report on the email ID you have provided.

Free CIBIL report

To download your CIBIL report, please follow the below steps:

  1. Visit ‘CIBIL Score’ check page.
  2. Click on ‘Login’
  3. Now enter your registered email ID and mobile number
  4. Enter the ‘OTP’ sent to your mobile number
  5. Login with the given details
  6. Go to CIBIL Report under CIBIL and download the report.

Steps to check CIBIL score by PAN Card for free

  • Provide your full name as mentioned on the PAN card
  • Enter your Date of Birth
  • Choose your gender
  • Mention your PAN card number
  • Enter your contact address
  • Provide the email ID
  • Enter your mobile number
  • Submit the form

What factors are considered to calculate your CIBIL score?

A credit score is based on the factors as mentioned here:

  • The repayment history (35%)
  • The amount you owe to lenders (30%)
  • Number of years of servicing debt (15%)
  • Number and amount of recent loans taken or applied for (10%)
  • The Credit Mix (10%)

Having a good credit history helps in getting good rates on interest rates. You can try to avoid unnecessary expenses to be able to maintain a good credit history and credit score. Since CIBIL is the most demanding credit bureau company, its score also holds an important position in banking segment.

So, as an individual or a corporate entity, you will find it necessary when you will apply for a loan or credit card. It gets so much easier if you have a good credit history as the lender finds it easy to trust your financial health and repayment capacity. Thus, you can very smoothly do it via mobile to see where you stand so that required measures are taken to improve it if it’s required.

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