How to Get Your Free Credit Information Report (CIR) Score From CIBIL, Equifax, Experian and CRIF High Mark

Reserve Bank of India has made it free to get Free Full Credit Report (FFCR) or Credit Information Report (CIR) once a calendar year and have issued guidelines to all credit information agencies in the country to offer the same for free. This rule has come effectively from January 1, 2017.

credit information report


Companies that offer Credit Information Report

There are four companies in India that offer the service for free. They are

1) CRIF High Mark Credit Information Services Pvt. Ltd
2) Transunion CIBIL Ltd
3) Equifax Credit Information Services Pvt. Ltd
4) Experian Credit Information Co. of India Pvt. Ltd



The trick here lies is that you can actually get four Credit Information Reports free from the above four agencies. The agencies have no common database to track the PAN numbers. Hence, you can get the free reports from all the above four agencies in one calendar year.

Before getting into the actual process of getting the free Credit Information Report, let understand the term Credit Information Report in detail.

Also read: How to Replace Your Existing PAN Card with Tamper-proof PAN Card


What is Credit Information Report (CIR)

The CIR Score help loan providers identify customers who are likely to be able to pay back their loans. An individual with a credit score above 750 has better bargaining power with the loan lenders since he is perceived as a responsible borrower. Whenever you apply for a loan, the lender asks the credit bureau (CIBIL) to verify if your earlier dues are paid on right time. This forms your overall credit history and the same will reflect in your CIR. 79% of the loans are approved for individuals with the score more than 750.


How CIBIL generates the information?

CIBIL collects and maintains records of individuals’ and companies’ loans and credit cards. These records are submitted monthly to CIBIL by its members (banks and other financial institutions). This information is then used to create the CIR and the CIBIL Score (a 3-digit summary of your credit history) which are provided to lenders to help evaluate loan applications.


What information does your CIR contain?

The CIR is a month-on-month record of your loan-related EMI payments and/ or credit card payments. It does not include your investment or savings details. Loans include home loans, personal loans, automobile loans and overdraft facilities. Other details include,


a) Personal information such as your name, date of birth, address and identification numbers like PAN, passport number, voters number and telephone number as reported by member banks and credit institutions.



b) Account information such as the type of credit availed (various loans, credit card etc), the size of loan/ credit card limit, outstanding current balance, overdue amount, the number of days a payment is overdue, status (written off/ settled), etc.

c) The number of ‘Enquiries’ made by banks about your credit profile- An “Enquiry” is created on your CIR every time the lender requests CIBIL for your CIR (this usually happens when a consumer applies for credit).

Also read: How to invest in Reliance Money Manager Fund-Growth plan via Freecharge


How to apply for a free CIR:

The process to apply for a free CIR is simple but the time taken to get the report card varies. The required things are same across the four companies but the steps may vary. Hence, we are providing the steps to avail the free CIR company wise.

1) CRIF High Mark:


Below are the Steps to get your FREE Credit Information Report:



1) Click on “Get Your Free Credit Report” on the website www.crifhighmark.com
2) Login with your login credentials or social media credentials or you can continue as a guest.
3) Fill the form with basic details. Please note that you have to provide either correct PAN or UID to be able to receive your free Credit Information Report.
4) Click on Submit. An Email will be sent to your registered email id with steps to proceed further
5) CRIF High Mark will verify the details provided by you.
6) If you receive a message that your details could not be verified, please enter the correct details and resubmit the form.
7) If you are still facing any problems, please send an email to crifcare@crifhighmark.com from your registered email-ID.
8) On successful verification of your details, you will be emailed your Credit Report ID & link for answering the Credit Report Related Questions.
9) On successfully answering your Credit Report Related Questions, your FREE Credit Information Report will be delivered to your registered email id.


2) Equifax

Download the Equifax App from GoogPlay store or the iOS App store to obtain your FFCR.
Following is the process for obtaining your FFCR using the Equifax App:
STEP 1 - Login to the Equifax App
- Provide your email address to receive your temporary pin
- Login using your email and temporary pin to create a 6-digit login
STEP 2 - Authenticate yourself/KYC
- Provide your personal information and Aadhar card to authenticate your identity
- After your information is confirmed, a one-time password will be sent to your Aadhaar registered mobile number
- Enter your OTP in the Equifax App
STEP 3 – Obtaining your FFCR
- Provide personal details (DOB, Address, Any one ID like PAN, Passport, Voter ID)
- Login to Equifax App after 24-hours (24-hours after the successful completion of STEP 1) to authenticate your identity based on your credit history by answering the account based questionnaire
- Answer three questions based on your credit history (Note: You have four attempts to authenticate yourself)
- Once authenticated successfully, your password protected FFCR will be sent to your registered email address within 24-hours after the successful completion of STEP 2
- Password: First 4 characters of your name (with 1st character capitalised), followed by yyyy (year of birth), followed by "@" (symbol) and last 4 digits of your Aadhaar number as entered in the input field. E.g. – Abcd1990@1234


3) Experian:

Following is the process for obtaining your FFCR


1) Login to www.experian.in

2) Click on Get Your Credit Report and Score.

3) A simple data input capturing screen will appear, regarding your basic details
 (Demographic and Identity details)
4) An e-mail ID confirmation will be sent to your registered e-mail ID with a Unique Transaction ID.
5) You can either pay the required amount through an online payment gateway
 (debit card/credit card/net banking)
6) Please keep your loan details handy because certain questions are posed to you based on your credit card and/or loan accounts for identity validation and authentication.
7) Experian Credit Information Report (CIR)and Score is displayed to you and the PDF report is also e-mailed to your verified e-mail address

4) Transunion CIBIL: 

Obtaining the free CIR is very handy in Transunion CIBIL. You can get all the related details of the report right from how to apply to how to read the document on their official website. The procedure is taught at its best in good picture tutorials. Click here to visit Transunion CIBIL. However, we will try to detail the process of obtaining the CIR from the Transunion CIBIL in the next article.

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