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How many years ago was the last negative

item on your credit report?

0 Years Ago

How many of the following accounts do you have?

(both open and closed)

Car Loans

0 1 2 3 4

Home Loans

0 1 2 3 4

Car Overdrafts

0 1 2 3 4

Secured Credit Cards

0 1 2 3 4

Secured Overdrafts

0 1 2 3 4

Mortgage Loans

0 1 2 3 4

Personal Loans

0 1 2 3 4

Unsecured Business Loans

0 1 2 3 4

Credit Card Loans

0 1 2 3 4

Bank Overdrafts

0 1 2 3 4

Thanks for answering the questions!

Add up the total of all the credit limits

on your open credit cards:


Total of the most recent statement balances

on all your credit card accounts:


How many times did you apply for new

credit within the last year?

0 Times
0 1 2 3 4 5 6 7 8 9 10 dot dot dot dot dot dot dot dot dot dot dot

How long is your credit history?

1 Year
1 2 3 4 5 6 7 8 9 10 dot dot dot dot dot dot dot dot dot dot


Your estimated credit score is:

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Free CIBIL Score Online - CIBIL Calculator ToolGet your CIBIL score free online at CreditSmart with our CIBIL and CRIF Highmark Score Estimate Calculator, which calculates your estimated credit score from both major credit bureaus in India. Current and accurate scoring model takes your financial past into consideration. It takes just a few minutes to know your credit score. For this free and accurate estimate of your 2019 credit score, simply answer a few questions about your Credit History and Credit Habits. Our advanced algorithm will calculate your CIBIL and CRIF Highmark Score based on your answers. No personal information required. Get your 2019 score estimate in minutes, FREE! Know where you stand financially with your Credit Report Card. It’s India’s best free credit score calculator and credit resource.

Credit Report Card

In 2018 we introduced our new Credit Report Card feature so you can better understand your credit. The Credit Report Card comes free in your dashboard after you calculate your credit score , and it grades you based on your Credit History, Credit Utilization, Payment History, and Credit Inquiries. We show you the strengths and weaknesses of your credit, rated from A+ to F, and show you what you can do to improve.

Congratulations, you have your score! Now It’s Time To Apply

You have your score already? Great! If you are looking for more information on what credit cards are best for you then check out our Card Finder where you can Apply For Credit Cards.

And finally, if you have a question about your credit, just email us at Let’s increase those CIBIL scores!

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