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CRIF High Mark credit score checker

download your CRIF credit score report instantly on CRED

what is CRIF High Mark?

CRIF High Mark Credit Information Services is an RBI approved credit rating agency that conducts analysis for the credit rating of corporates and individuals. with its extensive bureau database, CRIF High Mark provides information and analytical solutions to banks, NBFCs, insurance companies, telecom service providers amongst others. the CRIF credit score rating ranges from 300 to 900. a 700+ CRIF credit score is considered good to get a faster credit card or loan approval. 

check your CRIF credit score report

what is in a CRIF credit report?

a CRIF credit report includes a detailed history of your financial activities, for example:

• it includes your creditworthiness and credit utilization history.
• it also reports your job profile, employment history and financial credit information as shared by lenders.
• the CRIF credit report also includes your personal and contact details such as - name, date of birth, phone numbers, addresses and email IDs.
• your account information related to all the credit facilities availed, enquiries made and payment history.

what information is required to download a CRIF credit report?

you need to input the following details on the CRED credit score checker page to download your CRIF credit score report:

• name
• mobile number
• date of birth
• PAN number
• Aadhaar number
• address
• state
• pin code

how to check your CRIF credit score report?

you can follow the step-by-step guide provided below to check and download your CRIF credit score report through the CRED app:

• open the CRED app and click on 'check credit score'
• alternatively, you can click on the direct link provided below to check your CRIF score 
• get your CRIF credit score report
• it will redirect to an online form
• enter your first name, last name, mobile number, email ID and click on confirm
• enter the 4-digit OTP sent to your mobile number and click on confirm
• your CRIF credit score report will be prepared instantly
• you can view it on the CRED app under the 'profile' tab

why should you download your CRIF credit score report from CRED?

• the CRIF credit score report can be availed for free on CRED app
• instantly download your CRIF credit score report online
• no need to input too many details, just type your name, mobile no. and email ID to get your CIRF credit score report 
• you can download your CRIF credit score report from anywhere, anytime
• check the payment history of your loans, credit card bills etc. 
• a high CRIF credit score can boost your chances of getting a credit card/loan approvals

CRED CRIF credit score checker

CRED CRIF credit score checker is an online credit score checker tool that allows CRED members to check and download their CRIF credit score report for free. a CRIF credit score is a 3-digit numeric expression that represents an individual's creditworthiness. you can use the CRED credit score checker tool to check your CRIF credit score before applying for a credit card application or loan application. the CRIF credit score ranges from 300 to 900 points. The higher the CRIF credit score, the more financially trustworthy a person is considered to be. a CRIF credit score of 700 and above is considered good to get a faster credit card or loan approval.

CRIF credit score range

the CRIF credit score ranges between 300-900. here are the details of the breakup of the CRIF credit score rating range:

Important factors that affect your CRIF credit score

there are 5 important factors that affect your CRIF Credit score:

• payment history: whether you repay your EMI’s or card dues on time or now is one of the most important factors that affects your CIRF credit report. late payment history can lead to a lower credit score.
• high credit utilization: if you use too much of your total credit worth, it will indicate an increased repayment burden and may negatively affect your credit score.
• length of credit history: users with a longer history of responsible credit use are likely to have a higher credit score.
• credit mix: availing different types of loan, such as, car loan, home loan or a credit card loan, can help you increase your credit score.
• new credit: opening many accounts in a short span of time can lower your credit score.

expert tips to improve your CRIF credit score

you can improve your CRIF credit score by maintaining a good credit history. here are a few important tips that will help you increase your CIRF credit score:

• pay your outstanding card and loan dues on time. it's very important that you don’t just pay the minimum due amount but clear the full or the maximum amount which you can afford.
• you can increase your credit limit and decrease spend ratio by having no more than 3 credit cards at a time.
• always restrict your credit card spending up to 30-35% of your credit limit.
• maintain the records of loans once you have paid your dues in full, because the history of paying EMIs on time will improve your credit score.
• do not submit several loan applications in a short period of time as it could further hurt your credit score.
• be cautious with your new credit card or loan inquiries as you don’t want to reflect that you are continuously seeking excessive credit.
• check your credit score regularly to keep an eye on your financial health and improve it from time to time.