The Best Ways to Check Your Credit Score Online At No Cost


    Nowadays, people need access to different types of loans for various requirements. Having at least a couple of credit cards is also considered a standard norm to facilitate shopping and the purchase of goods that would otherwise be deferred.

    In such a scenario, it is important to ensure you have a good credit score since the easy availability of personal, consumer and other loans as well as access to credit cards is contingent on this. Today, credit scores can be checked for free online. Therefore, checking your credit score regularly may be necessary to ensure it always remains within healthy levels that allow you access to loans and cards.

    Understanding the Credit Score Concept

    You may have already received numerous emails and messages prompting you to check your credit score free online. While some readers could be aware of what credit scores are all about, a few may not understand the concept properly. It’s essential to be aware of your credit score because the terms and conditions of the loans you avail of will depend on this.

    A healthy credit score ensures loans are available at more benign terms with lower interest rates, which will help save some of your money. An unhealthy score would mean your loan or credit card application is rejected or approved on not-so-favourable terms.

    Before knowing how to check your credit score online, let’s understand the concept first. The credit score of borrowers ranges between 300 and 900. In India, there are four credit information companies or credit bureaus, TransUnion CIBIL, Experian, Equifax and CRIF High Mark, whose credit scores are popular with both borrowers and lenders. Furthermore, fintech credit providers like Clix Capital also provide individuals with their free credit scores.

    The credit score tells banks or lenders about your creditworthiness as a borrower. Credits scores that are at least 750 or above are deemed to be good. This score is based on your credit history, which is contingent on making timely repayments, the amount and number of times you have borrowed, the type of loans you have availed to date and other relevant factors. Timely repayments concern EMIs on loans as well as credit card bills, among others.

    The specific score is assigned to people based on their data mentioned in a Credit Information Report (CIR). For instance, Experian’s CIR has detailed information of consumers’ credit/loan history, including identity information, loans, credit cards, credit accounts, payments and recent enquiries. Experian updates its CIR every month, based on the consumer credit information it receives from its member banks and other institutions once a month.

    This data also considers the number of requests you have made for different loans or applied for credit cards. Lenders may seek such information, including your credit score, before approving any loan or card. Such requests from lenders are termed “hard inquiries”. A higher number of hard inquiries can lower your credit score and the chances of your loan or card application being approved since you will be seen as a “credit-hungry” borrower with a greater risk of default.

    Additionally, the percentage of credit limit utilised on the credit card affects your credit score. Clix advises its customers to only utilise around 30% to 40% of their credit card spending limit each month to keep the credit score high. Clix customers are also cautioned against having multiple credit cards or outstanding unsecured loans as these can impact their credit score.

    Modalities to Check Credit Scores Free

    Finally, we come to the question of how to check your credit score online, free. One of the popular ways is to visit the Experian website or that of another credit bureau and check your free credit report. You will need to enter the necessary details, such as your full name, email address and mobile number. Once this is done, you will receive an OTP on your mobile to verify your number. Thereafter, you can access your free Experian credit score and credit report.

    Typically, more than 80% of all new loans will be offered to customers with a credit score above 750. Considering the importance of an individual’s credit report in availing financial products, the RBI has mandated that India’s four major credit information bureaus provide individuals with one free credit report once a year, on request.

    For this, after visiting the specific credit bureau website, individuals may need to provide their date of birth, address, PAN or Aadhaar number and other identity proof. After this, you may either be able to download your credit report instantly or the report will be mailed to you within 24 hours. After you receive your credit report, check it carefully to ascertain all details are correct. This is necessary to safeguard against any fraud or identity theft. Moreover, in case there are errors, you can rectify them by informing your bank or the credit agency.

    It is possible that after receiving the annual free credit report, you may need to check your credit score once again later in the same year. If so, you can then subscribe to a paid access plan from any of these credit bureaus. Or you could visit the Clix Capital website for your free credit score.

    Remember, regularly monitoring your credit score will help you take corrective steps in case of any issue. Obtaining a loan on favourable terms will then make your life much easier in the years ahead.

    About Clix Capital

    Clix Capital Services Pvt. Ltd. is one of India’s leading digital lending NBFCs disrupting the lending space and empowering customers with fast and simple loans for all their personal and business needs. It offers a full spectrum of financing solutions across 5 business segments: Corporate Finance, Equipment Finance & Leasing, SME Finance, Consumer Finance, and Housing Finance. Clix has an AUM of 5,000 Crs across 3M+ customers and has a presence in 15-plus cities throughout the country.

    The Company is co-founded by Pramod Bhasin, Founder of Genpact and former CEO of GE Capital India and Asia, and Anil Chawla, former CEO of GE Capital India and Asia’s Commercial Finance Business. Along with AION Capital Partners Ltd, Pramod and Anil jointly acquired the commercial lending and leasing business of GE Capital India in September 2016 and rechristened it Clix Capital.

    For more information, please visit

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    Inspiring Journey of Rajasthan’s Deependra Singh Shekhawat From Monthly Salaries to Founder of Fifteen Crore Turnovers Company

    Inspiring Journey of Rajasthan’s Deependra Singh Shekhawat From Monthly Salaries to Founder of Fifteen Crore Turnovers Company

    Guy Kawasaki has rightly said that pursuing your passions makes you more interesting, and interesting people are enchanting. Passion is an underrated term as people believe more in hard work and dedication. We often forget that passion is what guides us to success. Deependra Singh Shekhawat is one of the few who proved that hurdles are hidden opportunities, and when utilized appropriately, they will lead you to victory.

    Deependra Singh Shekhawat, being the son of a farmer, has the background of a middle-class family. He belongs to a small village of Udaipurwati, district Jhunjhunu of Rajasthan. However, his status never deterred him from dreaming. Dreams full of his passion gave him the strength to fight the battles in his life. After graduation, he initially started from a regular job. However, he was not content with his occupation. He sensed stagnancy in his career. Soon, he started thinking and strategizing about business. This thought process led him to join a renewable energy company, Adani Renewable Energy, to learn about business as the next step in his professional journey. From then on, there was no stopping him; he was on a roll. In 2015, he established Vertex Solution Company and became one of the top vendors of Adani Solar Energy. He went the extra mile by working with India’s well-known renewable energy organizations as Avada Sola, Tata Solar, O2 Power, and many more.

    Deependra says that his passion for renewable energy spawns from the fact that renewable energy is one of the significant contributors to boosting the country’s economy and generating jobs. He further adds that adopting renewable sources of energy is a healthier option. He claims it is high time we start living peacefully with nature for the sanity of itself and humankind. Additionally, he has provided with job opportunities for the youth of his village Sarai and has become the Youth icon of Rajasthan. Despite belonging to a middle-class family, he left no stones unturned to achieve success and rose from the bottom of the pit to flying like an eagle. From having big dreams to making others’ dreams come true, he has come a long way.

    His journey is inspiring hundreds and thousands of youngsters of middle-class families throughout the country. People are burning with passion after witnessing the change in his life. His life journey is constantly changing the lives of many for the best. He is igniting the fire of eagerness for victory in them.

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    Recruitment Mantra to introduce its new job portal MyhireIndia for a seamless recruitment process

    Recruitment Mantra to introduce its new job portal MyhireIndia for a seamless recruitment process

    India witnessed massive downfall in the employment rate in the year 2020. Not only have the youth been denied equal job opportunities, but some of the upcoming job trends have also failed the modern age individuals.

    Today, job sites are the most widely used portals used by individuals across the globe to find the right job that meets the qualification requirements. Every job is one search away. These portals have transformed the recruitment process to provide seamless and unified  experience to individuals.

    Crediting the same, Recruitment Mantra is going to introduce their own job portal named to enable recruiters and individuals find the best job as per their requirement. The portal will enable employers to post unlimited jobs in this portal and hire the right talented candidates as per their requirements at free of cost. Jobseekers can register and upload their CV in this portal free of cost and can also search and apply for unlimited job openings through this portal.

    Emerging as one of the best job sites in India that acts as a bridge between recruiters and job seekers, the platform has uniquely been curated to serve as a comprehensive for both students and young professionals looking for employment opportunities in their preferred location.

    As one of the best job portals in India, MyhireIndia allows its users to search for either internship or job opportunities within a few clicks. The company review section enables the users to go through the reviews from the companies registered on the platform to get a glimpse of the work-life at the firm behind the curtain.

    • Keyword search: The keyword search function available on job search sites allows users to look for his/her preferred jobs in a single-click just by typing in the job keyword like retail jobs, media, pharmacy job, etc. on the keyword search bar.
    • User-friendly interface: The job site is developed for the key purpose of making job searches easier for its users. A user-friendly interface allows users to browse through job opportunities in his/her preferred areas of life without losing his/her focus in doing the same.
    • Options to filter preferences: The filters available on the job site allow users to filter out their job preferences exactly according to their needs and requirements. You can filter out your job search with your location, salary, job type, and other preferences.
    • Easy application process: If a job site has a complicated application option for jobs, it will automatically receive backlash for its services. The platform serves an easy application option to users, allowing them to apply for jobs within minutes.