Here’s a step-by-step setup guide for accessing and monitoring your credit score through CIBIL (TransUnion) and Experian India. Follow these instructions to register, verify your identity, and start monitoring your credit health.
✅ A. How to Set Up CIBIL Credit Score Monitoring
📥 Step 1 – Visit the Official Website
- Go to ➡ https://www.cibil.com/
- Click on Get Your CIBIL Score.
📋 Step 2 – Choose Your Plan
- Select the Free Credit Score option or opt for paid plans (monthly/annual subscription) depending on how frequently you want updates.
- For beginners, choose the free plan.
🔑 Step 3 – Create an Account
- Enter your name, email address, mobile number, and set a password.
- Accept the terms and conditions.
- Verify your email or mobile through OTP.
📄 Step 4 – Enter Personal Information
Provide details like:
- PAN card number (mandatory)
- Date of birth
- Address
- Employment details
This information helps CIBIL pull your credit report securely.
📞 Step 5 – Verification
- You’ll receive an OTP on your registered mobile or email.
- Some cases may require additional documentation such as address proof or identification.
✅ Step 6 – Access Your Credit Report
- Once verified, you can view:
- Your credit score
- Credit report summary
- Loans and credit card details
- Inquiries and outstanding payments
🔔 Step 7 – Set Up Alerts
- Opt for email or SMS alerts for any new inquiry, overdue payments, or suspicious activity.
📊 Step 8 – Download or Share Report
- Save the report for future reference.
- Share with banks or lenders during loan applications.
✅ B. How to Set Up Experian Credit Score Monitoring (India)
📥 Step 1 – Visit the Official Website
- Go to ➡ https://www.experian.in/
- Click on Get Your Free Credit Score.
📋 Step 2 – Register with Personal Information
Fill in:
- Full name
- Date of birth
- PAN card number
- Mobile number
- Email address
Agree to terms and conditions.
🔑 Step 3 – OTP Verification
- An OTP will be sent to your registered mobile number or email.
- Enter the OTP to authenticate.
📄 Step 4 – Provide Address and Employment Details
- Input your residential address
- Provide occupation or business details
This helps Experian fetch accurate credit records.
📞 Step 5 – Identity Confirmation
- You may be required to upload documents like:
- PAN card
- Address proof (Aadhaar, utility bill)
This step ensures only authorized users access credit data.
✅ Step 6 – View Credit Report
- After verification, you can see:
- Your Experian credit score
- Loan accounts and credit card details
- Credit inquiries
- Payment history
🔔 Step 7 – Enable Alerts
- Set up notifications for changes to your credit profile.
- Get reminders for due dates to avoid late payments.
📊 Step 8 – Explore Offers
- Access tailored loan or credit card offers based on your profile.
- Compare options and apply through the platform if you wish.
✅ Additional Tips
✔ Keep your PAN and mobile number updated with banks to avoid verification delays
✔ Download your reports periodically and cross-check for errors
✔ Use alerts to catch suspicious activity early
✔ Avoid sharing sensitive information with unofficial websites or apps