Banks decide how reliable the person applying for a loan is based on the CIBIL score. The higher the CIBIL score, the easier your loan will be approved and you will get better interest rates.
CIBIL score : If you are planning to take a loan, then first of all you should check your CIBIL score. This 3 digit CIBIL score matters a lot in case of loan. It is decided on the basis of your previous loan record. On the basis of CIBIL score, banks decide how trustworthy the person applying for the loan is. The higher the CIBIL score, the more easily your loan will be approved and you will get better interest rates.
The lower the score, the more difficulties you will face in getting a loan and even if you get it, it will be at a higher interest rate. Therefore, it is better to check your CIBIL score before applying for a loan. Here’s how you can check your CIBIL score for free on WhatsApp. There are credit information companies like Experian India and WishFin that provide customers the facility to check their credit score for free. You can check your credit score in just a few clicks.
Experian India Cibil Score Check
- First of all, you have to send ‘Hey’ from your WhatsApp account to the number +91-9920035444.
- You will be asked for some basic details like your name, number, ID.
- After sharing these details, an Experian code will immediately come on your WhatsApp.
- You can download a safe copy of the credit report through this password. This copy will be sent to your registered email.
WishFin Credit Score Check
- Give a missed call to 8287 151 151
- Your number will be added to WhatsApp chat.
- Start the process by entering your name, date of birth and gender.
- Type your PAN number.
- Enter your address (the address should be the same as in your banking details)
- Enter the state and pin code followed by the city you live in. Finally, your email ID will be asked.
- You can check your latest CIBIL score in your WhatsApp chat box.
You can also check with Paytm-Google
Apart from this, you can also check your credit score through Google Pay or Paytm. To check on Google Pay, open the app. Scroll down and come to the Manage Your Money section.
Here you will see the Check your CIBIL score for free option, you can check your score by tapping on it. To check on Paytm, go to your Paytm app. You can check your CIBIL score by going to the ‘Free Credit Score’ option.
