Start with the report

Your score is a summary; the report is the story. Pull it first and look for late payments, high utilisation and errors.

Fixing a single reporting error can move your score more than months of good behaviour.

The 90-day plan

  • Bring card utilisation under 30%
  • Automate every EMI and bill
  • Avoid new hard enquiries
credit score CIBIL
S
Super Admin

Part of the payd24 team, writing practical guides on credit health for India.

Frequently asked questions

Will checking my score affect it?
No. Checking your own score is a soft enquiry and does not affect it.
How fast do I get my report?
Most reports are ready within a few minutes.
Is my data safe?
Yes. Your data stays yours and is never sold.

Credit. Always on.

Know your score, see why you were rejected, and get a plan to improve — from ₹99.

Get started