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small-logoHow many years ago was the last negative item on your credit report?

0

small-logoHow many of the following accounts (both open and closed) do you have?

home-loan

Car Loans

0 1 2 3 4
home-loans

Home Loans

0 1 2 3 4
car-overdrafts

Car Overdrafts

0 1 2 3 4
secured-credit-cards

Secured Credit Cards

0 1 2 3 4
secured-overdrafts

Secured Overdrafts

0 1 2 3 4
mortgage-loans

Mortgage Loans

0 1 2 3 4
personal-loans

Personal Loans

0 1 2 3 4
unsecured-business-loans

Unsecured business Loans

0 1 2 3 4
credit-card-loans

Credit Card Loans

0 1 2 3 4
bank-overdraft

Bank Overdrafts

0 1 2 3 4

Thanks for answering the questions!

small-logoAdd up the total of all the credit limits on your open credit cards:

0

small-logoTotal of the most recent statement balances on all your credit card accounts:

0

small-logoHow many times did you apply for new credit within the last year?

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

small-logoHow long is your credit history?

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

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Your estimated credit score is:

Any score less than 500 is considered very low and in desperate need of improvement. You are not likely to be approved for any credit card or loan with this score, and a home loan would be likely unattainable. We recommend you take a look at our past articles to identify what's bringing down your score so you can start down a path of credit repair. It takes time, but it can be done. Start by reading Improve Your CIBIL Score.

Your score is a bit low, but the good news is it can easily be improved. You may get approved for certain credit cards or smaller loans, but an auto loan or home loan may prove difficult. We recommend taking a deep look at your finances and see what factors are most effecting your score and begin taking steps to fix them. The truth is, you're not that far from a great score right now. Recommended For You: Standard Chartered Platinum Rewards Card Chances of Approval: Fair

Your score is Very Good! You're well on your way to GREAT, but you still have some room for improvement. If you've achieved this score you probably have no major negative items on your CIBIL report. The things you can do to raise your score to the next level are try applying for more credit and use it responsibly. Also keep paying your bills on time, and allow your credit history to get a little older since your score improves with time and good management. Recommended For You: CitiBank Rewards Card Chances of Approval: Excellent

 

Congratulations! You’re doing an excellent job of managing your credit! A score this high shows extremely responsible use of credit and dedication to managing your finances! A score this high shows extremely responsible use of credit and dedication to managing it over time. With a score this high you're likely to be approved for the best terms on loans as well as top credit cards - all with higher limits.   Recommended For You: Standard Chartered Platinum Rewards Card Chances of Approval: Excellent

 
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Estimate Your Credit Score With Our Calculator Tool

FREE CIBIL Score Calculator OnlineGet your free CIBIL score online with our CIBIL Score Calculator in just minutes. For an accurate estimate of your current credit score, simply answer a few questions about your Credit History and Credit Health. Our formula will calculate your estimated CIBIL Score based on your answers. No personal information required. Get Started Now, your free CIBIL Score is..FREE! And it takes only a minute. It’s India’s best free credit score.
When you’re finished and 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. Share your score and experience with others so they can learn from your successes and mistakes and how you arrived at your score. Our online community will be a wealth of credit knowledge if everyone contributes their story.
And finally, if you’d like monthly exclusive articles on how to stay on top of your credit, sign up for our Newsletter. Let’s increase those CIBIL scores!

More information at CIBIL.com