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Your score
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Loans & cards
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Your plan
What's your CIBIL score?
Type your score below. You can find it on CIBIL.com, BankBazaar, Paisabazaar, or your bank's app — usually free to check.
Enter a number between 300 and 900
Poor
300 – 549
Fair
550 – 649
Good
650 – 749
Excellent
750 – 900
What's your monthly take-home income?
This helps us check your EMI-to-income ratio — an important signal lenders use when reviewing your applications.
Net / take-home salary after deductions
What's affecting your score?
Select everything that applies to you. This helps ScoreDesk give you specific, relevant advice — not generic tips.
Missed payments
High utilisation (>30%)
Applied for loans recently
Credit history under 2 years
No credit history yet
Settled accounts on record
Written-off account
Only credit cards, no loans
Only loans, no credit card
Many hard inquiries
Always paid on time ✓
Long history, 5+ years ✓
Low utilisation ✓
What do you want to achieve?
Your goals shape the advice ScoreDesk gives you. Pick all that matter to you right now.
Raise my credit score
Pay off debt faster
Save money on interest
Get a home loan approved
Get a car loan approved
Use my credit card smarter
Build credit from scratch
Just understand my situation
Tell us about your loans
Add each loan you're currently repaying. The more detail you give, the more specific ScoreDesk's advice will be — including exact interest savings from prepayment.
Tell us about your credit cards
Add each credit card you hold. We'll calculate your total utilisation and give you card-specific advice on how to use them better.
🏦 Loan Eligibility Estimator
Enter your score, income, and desired loan amount. See what you'd likely qualify for at major lenders — and how much a better score saves you in rupees.
Other loans you are already repaying
Likely rates at major lenders
LenderYour likely rateRate at 750+EMI difference
⚠ Rates are indicative based on published band pricing. Actual rates depend on lender policies, employment type, and other factors. Not a guarantee of loan approval.
✅ Credit Repair Progress Tracker
Check off actions as you complete them. Your progress is saved in your browser — it'll be here next time you visit. Completed items are also included in your PDF report.
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📝 CIBIL Dispute Filing Guide
Errors on CIBIL reports are more common than most people realise — wrong outstanding amounts, closed loans still showing active, accounts that aren't yours. A successful dispute can raise your score by 20–80 points. Here's exactly how to do it.
Common disputes worth filing
🏦
Loan closed but showing active
You repaid a loan fully but it still shows "Active" on your report — artificially keeping your outstanding high.
💳
Wrong outstanding amount
The balance shown doesn't match what you actually owe. Even a ₹50,000 error can impact your score significantly.
👤
Account that isn't yours
A loan or card appearing on your report that you never took — common with identity fraud or data entry errors.
📅
Wrong payment status
Shows "Missed" or "Settled" when you paid on time or paid in full — the most directly score-damaging error.
🔄
Duplicate account entry
The same loan appearing twice on your report — doubling its apparent outstanding and impact.
📋
Wrong personal details
Name, PAN, address, or date of birth errors can cause your report to get mixed with someone else's — rare but serious.
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Get your free CIBIL report
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You're entitled to one free CIBIL report per year directly from TransUnion CIBIL. Go to cibil.com → Get Your CIBIL Score → create an account with your PAN and basic details.

Alternatively, check your report for free (unlimited times) on BankBazaar, Paisabazaar, or OneScore — these pull your full report including account details and payment history.

cibil.com → "Get Your CIBIL Score" → Free Report → Verify with PAN

Download and save your report as a PDF. You'll need specific account numbers and details when filing the dispute.

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Identify the exact error
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In your CIBIL report, look at the Accounts section carefully. For each account check: the current balance, payment history (check each month for incorrect DPD — Days Past Due), account status (Active/Closed), and whether the account is yours.

Note down for each error: the lender name, account number, type of error, what it currently shows, and what it should show. You'll need this information to file the dispute.

DPD of 0 = on-time · DPD 1–30 = 1–30 days late · DPD 31–60 = 30–60 days late · DPD 90+ = serious delinquency

If the account isn't yours at all, note the full account details — you'll need to provide your ID proof showing it couldn't be yours.

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File the dispute on CIBIL.com
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Log in to cibil.com → My Dashboard → Raise a Dispute. You'll see all your accounts listed. Click the account with the error and select the specific field you're disputing.

cibil.com → My Dashboard → "Raise a Dispute" → Select account → Select field → Submit

Fill in: what the report shows, what it should show, and why. Attach supporting documents — bank statements, loan closure letter, NOC from lender, or identity proof. CIBIL sends this to the lender for verification.

Once submitted, you get a Dispute Reference Number. Save this — you'll need it to track the status.

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Gather and attach documents
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The strength of your dispute depends entirely on your documentation. Here's what to attach for each error type:

Loan closed but showing active: NOC (No Objection Certificate) or loan closure letter from the lender. If you don't have it, request it from the bank — they're legally required to provide it.

Wrong outstanding amount: Bank statement showing the actual balance, or a statement from the lender confirming the correct outstanding.

Wrong payment status: Bank statement showing the payment was made on time, with the date and amount matching the disputed period.

Account not yours: Identity proof (Aadhaar, PAN), a written statement that you never opened this account, and ideally a police complaint if you suspect fraud.

Tip: Always keep digital copies (PDF) of all NOCs, closure letters, and bank statements. These are your evidence and may be needed years later.
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Track and follow up
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CIBIL has 30 days to resolve a dispute from the date of filing. The process: CIBIL contacts the lender → lender confirms or denies → CIBIL updates the report if the lender confirms the error.

Track status at cibil.com → My Dashboard → Track Dispute, using your Dispute Reference Number. If no update after 30 days, follow up with CIBIL at disputes@cibil.com.

CIBIL escalation: disputes@cibil.com · Include your dispute reference number and a timeline of events

If the lender doesn't respond within 30 days, CIBIL is required to resolve in your favour. If you're unsatisfied with the resolution, escalate to the Banking Ombudsman (RBI's dispute resolution mechanism) — free to file, legally binding.

After resolution, download your updated report and verify the correction. If your score improved, re-apply for the credit product that was previously out of reach.

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What to do if the dispute is rejected
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If the lender rejects your dispute (they confirm the data is correct but you believe it isn't), you have two paths:

Path 1 — Escalate to the lender directly. Write a formal letter to the bank's Grievance Redressal Officer citing the specific error, your evidence, and requesting correction. Banks have an internal escalation process that often yields different results than CIBIL's automated dispute.

Path 2 — Banking Ombudsman. File a complaint at cms.rbi.org.in. This is the RBI's free online complaint portal. The Ombudsman has authority to direct the bank to correct the error and potentially pay compensation. Resolution typically takes 30–90 days.

RBI Banking Ombudsman: cms.rbi.org.in → Complaint Registration → Select bank → Describe issue with all evidence

For complex cases involving identity fraud or large financial impact, consult a consumer rights lawyer — many offer free initial consultations and work on contingency for clear-cut CIBIL error cases.

🔄 Balance Transfer Analyser
Should you transfer your credit card outstanding or personal loan to a lower-rate product? Enter your current and offered rates — ScoreDesk calculates whether the transfer fee is worth it and by exactly how much.
Annual rate. Credit cards: 36–48%. Personal loans: 12–24%.
New rate being offered for the balance transfer
Typically 1–3% of outstanding. Check offer terms.
⚠ This analysis is indicative. Always read the fine print on any balance transfer offer. Rates and fees vary by lender and credit profile.