Know your credit score. Unlock better opportunities
Your Experian credit score, free and refreshed every month. Go deeper with the Detailed Credit Report and find out exactly what's holding your score back.
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Go Beyond Your Credit Score. Understand Your Complete Credit Profile.
The free score tells you where you stand. The Detailed Credit Report tells you exactly why — line by line, account by account.
Detailed Credit Report
Get a complete view of your credit health in one place.
Personal & identity details
Name, date of birth, PAN, registered addresses, phone numbers and employers — exactly as lenders reported them. Mismatches here are the most common cause of a wrong score.
Credit score trend
A month-on-month chart across every bureau, annotated with what changed — a new card, a closed loan, a missed EMI — so movement is never a mystery.
Account-level breakdown
Every loan and credit card, open and closed, with sanctioned amount, outstanding, EMI, tenure, ownership type, date opened and date of last payment.
Downloadable bureau PDF
Per-card and overall utilisation plotted against the 30% threshold lenders watch, with the exact rupee repayment needed to drop below it this cycle.
Utilisation & limit analysis
Per-card and overall utilisation plotted against the 30% threshold lenders watch, with the exact rupee repayment needed to drop below it this cycle.
Personalised action plan
A ranked list of the three to five moves that will lift your score fastest, each with an estimated point gain and a realistic timeline. Not generic advice.
Enquiry history
Who pulled your report, when, for what product and for how much. Clusters of hard enquiries are flagged with the drag each is putting on your score.
Priced like a coffee. Works like a credit advisor.
Cancel any time from the app. No lock-in, no hidden charges.
Free score
Free forever
Get started free- Experian credit score
- Monthly refresh
- Basic factor summary
- Pre-approved offer matches
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- Everything in free score
- Full account & enquiry breakdown
- 36-month repayment grid
- Bureau PDF download each month
- Dispute assistance & change alerts
Your credit journey, made simple.
No paperwork, no branch visit, no impact on your score. Two minutes end to end.
Enter your details
Name, mobile and PAN. That's all the bureaus need to find you.
Verify with OTP
A one-time password confirms it's really you requesting the report.
See your score free
Your score and factor summary load instantly, from the bureau you pick.
Unlock the full report
Subscribe at ₹49/month for the complete breakdown and monthly PDF.
A better score buys you better rates.
Once we know your profile, we match you against verified lender criteria — so you only see offers you're actually likely to get.
Personal loans from 10.49% p.a.
Up to ₹1 Crore · 7 lenders matched to your profile
Credit cards with lifetime-free options
12 cards you're eligible for at a score of 762
Balance transfer on your ₹1.84L outstanding
Could save an estimated ₹11,200 in interest
Credit life & health insurance cover
Protect your EMIs from day one · via EverSecure
Checking your eligibility for these offers is a soft enquiry and does not affect your credit score. A hard enquiry is recorded only if you formally apply.
Your data, handled properly.
Credit data is sensitive. We treat it that way.
RBI-regulated bureaus
Direct partnerships with CIBIL, Experian, Equifax and CRIF High Mark — all licensed Credit Information Companies.
256-bit encryption
Data encrypted in transit and at rest. We never store your full PAN in plain text.
DPDP Act compliant
Explicit consent captured and logged. Withdraw it any time and we stop fetching your data.
Never sold on
Your credit data is never sold to third parties. Lenders see it only when you choose to apply.
Learn the rules of the game.
Plain-English guides to the questions people actually ask about credit.
What is a good CIBIL score?
The 300–900 range explained, with the cut-offs lenders actually use for cards, personal loans and home loans.
How to improve your score in 90 days
The handful of changes that move the needle fastest — and the ones that do nothing at all.
How to read your credit report
A walkthrough of DPD codes, account status markers, and what "settled" really costs you.
Raising a dispute with a bureau
Step-by-step process, documents needed, and realistic timelines for correction.
Why your score differs by bureau
Different lenders report to different bureaus on different cycles. Here's what that means for you.
Credit score myths, debunked
No, checking your own score doesn't hurt it. No, closing old cards doesn't help.
Frequently Asked Questions.
Find verified answers to common questions about CIBIL scoring, bureau checks, report accuracy, and credit improvement.
01What is a good CIBIL Score?
02How to use the credit score check Equifax option?
03Do repeated checks of my CIBIL report affect my score?
04What can I do to improve my CIBIL score?
05Is there a minimum CIBIL score for getting a loan?
06What is the difference between CIBIL, Equifax, Experian, and CRIF High Mark?
07How often is my credit score updated on PaisaOne?
Your score is waiting. And it's free.
Two minutes, no documents, no impact on your credit. Upgrade to the full report only if you want the detail.
