How to check your credit score online?

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• Anyone can find themselves in a situation where
  they apply for a credit card or loan with a bank
  or other financial entity. During such times, the
  most important deciding factor for the approval
  of the card or loan is your credit score. Hence,
  you must ensure your credit reports India, are at
  their best. Several factors can influence your
  credit scores, such as your payment history,
  credit utilization, length of credit history,
  your different credits, and any new credit that
  you take up.

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• The credit score is calculated by four separate
  credit bureaus, Experian, CIBIL, Equifax, and
  CRIF High Mark. Each of these has a unique
  algorithm, which is used alongside the data
  provided by credit lenders to calculate the score
  of an individual. If you have unpaid dues, your
  credit score under all bureaus might decrease,
  even putting you at the receiving end of debt
  collection services. On the other hand, if your
  score is good, you can negotiate better terms
  while applying for a loan or credit card. One
  such example is lowering your interest rate,
  which can help save a lot of money over time..

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• You need to check your credit score regularly to
  ensure your scores are well-maintained. This can
  also help you change your financial plans and
  interests when the score is lower than preferred.
  So, how can you check your credit score online?

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how can you check your credit score online?

• 1. Credit bureaus
• 2. Banks and credit card companies
• 3. Third-party financial portals

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Credit bureaus

• Since there are four credit bureaus in India, you
  can visit any one of their websites to know your
  score. Moreover, every credit bureau is mandated
  to provide you with your credit score and report
  for free once every year. If you have any issues
  finding the credit report online, you can even
  send them an email asking for the information.

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Banks and credit card companies

• Several financial institutions like banks have
  started providing their customers with their
  credit reports as this helps their clients to
  maintain their scores. Since banks are a lender,
  they do have access to this information. Such
  institutions must know a persons credit score so
  they can decide on whether he or she can be given
  credit or not.

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• So approaching them for the score is ideal. Some
  creditors also charge a small fee to share the
  credit score, whereas many of them give it for
  free. If your bank or credit company gives you
  the option to check your credit score, it should
  be available on their official website. You can
  just log in and check the score whenever required.

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Third-party financial portals

• Other than banks, various apps and services also
  keep an eye on your credit report. Such financial
  institutes can help monitor your score and
  maintain it regularly. These companies can share
  your credit score with you without charging any
  fee. The credit score can be checked online
  through their portals at any time.

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• While viewing your credit score, you will need
  some specific details including name, date of
  birth, PAN card number and your relevant
  employment data. The score comes a few minutes
  after the submission of these details. Be sure to
  check your credit report regularly. If a debt
  collection agency contacts you, it means that you
  have outstanding accounts with a creditor. Try to
  clear such dues before your credit score gets too
  affected by it. Get your credit score information
  from credit report services in India.

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• To get any Debt related assistance reach out to
  us at
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  91-9810010294 rvm_at_debtnirvana
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