I don’t know all the ways to check credit score in India but I got mine via the following two methods:
- I clicked through the ad or email from a fintech offering free CIBIL credit score, followed the instructions on the resulting landing page, and got my credit score. I noticed that it was not from CIBIL. AFAIK, only CIBIL score matters, so I discounted this alternative credit score.
- When I logged out of online banking of one of my banks – I don’t remember which – I saw a banner ad for free CIBIL credit score. I clicked through and, at the end, did get my CIBIL score.
PSA: Like Xerox for Photocopier, CIBIL has become a generic term for Credit Score in India. TIL all Credit Scores are not equal. The free one, based on Equifax, doled by Credit Mantri et al, can be very different from the original CIBIL score offered by Banks for a fee.
— Ketharaman Swaminathan (@s_ketharaman) November 12, 2018