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Your credit score is your entry pass for a financially sorted life and aapkabank.com is the gateway which leads you towards it.

Why Aapka Bank?

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About Credit Score

Credit score is a 3-digit number which represents your credit history. It ranges from 300 to 900. It reflects an individual’s credit behaviour which includes loan repayment, debt level, length of credit history and much more. Credit score is one of the key factors considered while approval of a loan or credit card application. A good credit score increases the chances of your loan/credit card application being approved, securing credit on more favourable terms and much more while the banks might hesitate to provide you a loan or a credit card if you have a low credit score.

Frequently Asked Questions

You can check your CIBIL score online for free on the aapkabank.com website. The process to check your credit score is as follows:

  1. Visit the aapkabank.com home page and click on the ‘Get Credit Report’ button at the bottom of the page.
  2. On the subsequent page, fill in your details.
  3. Click on ‘Proceed’ to get your credit score for free.

The lenders consider one’s credit score to analyse the credit worthiness of the individual . It helps the lenders/banks to assess the risk factors involved in providing finance to an individual.

The PAN card is required for obtaining one’s score accurately. The credit score can also be accessed by using other valid Proof of Identity (PoI). The PoI helps in identifying individuals in the record.

The phone number helps to identify individuals accurately. As your credit report already have your phone number, when you provide your phone number, it is cross-checked from the records to ensure that the credit score is being provided to the right person.

You can maintain a good CIBIL score by following few simple steps:

  • Pay your EMI’s on time to build a good track record
  • Carefully manage your credit card, set reminders for payment and limit the usage
  • Carefully choose longer loan tenure and try to make part-prepayments whenever you can

You can improve your CIBIL score by following some handy tips:

  • Avoid being a co-signer for a loan if you need to borrow for yourself in near future
  • Don’t acquire too much debt
  • Repay all your EMIs and credit card bills on respective time
  • Be careful while borrowing and always have a proper repayment plan

Credit Score:

Credit score is a 3-digit number which represents your credit history. It ranges from 300 to 900. It reflects an individual’s credit behaviour which includes loan repayment, debt level, length of credit history and much more. Credit score is one of the key factors considered while approval of a loan or credit card application.

Credit Report:

The credit report is created by considering borrower’s credit history (detailed information of his/her prior borrowings) and credit behaviour (how loans/credit cards have been handled in the past). A credit report also contains a list of banks/NBFCs that enquired for the consumer’s credit report.

No, the credit score will not get affected by the inquiry. The application of a loan or a credit card may slightly have an impact on your credit score but checking your credit score will not.

Few factors are there which are considered while calculating one’s credit score. The factors include the account information (information of credit cards and loans), the public records (information regarding tax lien and bankruptcy), and the inquiries made by your lenders.