How To Download CIBIL Report? 

Your CIBIL score and report has a big impact on whether you qualify for a loan. The lender can get a general idea of your credit history and repayment capacity from your score and decide the amount of credit they extend to you. 

Checking your score frequently is one way to make sure you have a good credit rating and are qualified for affordable loans.

Suggested Reading: How to Check CIBIL Score With Aadhaar Card?

In this article, we will talk about the CIBIL report and how to download CIBIL report.

What is CIBIL report?

A credit report is a thorough and in-depth account of a person's history regarding his credit market actions. Credit bureaus keep track of all of their client's actions and convert them into a number between 300 and 900. This figure aids lenders in assessing the risk involved in making disbursing loans.

How to Download Your CIBIL Report Online for Free ?

An average fee for getting a report straight from a credit agency or similar service provider is close to Rs. 1000. So how to get CIBIL report for free? Well, you have to simply follow the steps listed in this section.

You must first register an account and get your CIBIL login information before you can get your credit report from the CIBIL website. The steps are as follows:

  • Go to the official CIBIL website.

  • Click on the option 'Get Free CIBIL Score & Report'

  • Complete the form with the necessary information.

  • Submit the form

  • Finish the verification

After completing the form, you can log in to your account using the CIBIL login information you provided. To download your CIBIL report after logging into your account, follow these instructions.

  • Go to the dashboard

  • Click on the option 'Check CIBIL Score’

  • Then click on the 'View My Report' option.

  • Check your credit report.

  • To save your credit report to your device, click ‘Print Report’

The ideal number of times to check your CIBIL score annually is three.

How to Open Password Protected CIBIL Report?

Now that you know how to download the CIBIL report online for free, we will look at how to open cibil report pdf password. 

After you've downloaded your CIBIL certificate, a CIBIL score PDF password prompt will appear. The file is confidential.

How to Recover CIBIL User ID?

If you have forgotten your CIBIL login, you can reset it to retrieve your account. The following are steps you need to take to retrieve your CIBIL username.

Features of a Credit Report

A credit report contains the following information.

Your creditworthiness is demonstrated by your credit report. One of the top and former credit information companies that gathers and keeps credit data on residents is TransUnion CIBIL.

The CIBIL report is examined by banking and non-banking financial institutions when you apply for a loan or credit card. Lenders decide whether to approve or refuse a loan based on the report.

If the credit score is higher i.e., above 750, the chances of getting a loan approved are higher. However, if the credit score is below 700, the report reflects defaults, and the interest rate on the loan may be higher. A loan application gets rejected if the score is below 500 as this score indicates multiple defaults and poor credit transactions.


Having a high CIBIL score is extremely important. It takes time and effort to raise your credit score. By often monitoring your credit score and report, you can keep track of your progress. In order to obtain fresh credit on favorable terms and to secure your future credit decisions, good credit health is necessary. 

On the CIBIL website, you are only permitted to examine your credit record and score for free once. But did you know that there’s another way you can check your CIBIL score for free?

The free credit tracker by Moneyview allows you to check your CIBIL score for free.

How to Download Your CIBIL Report? - Related FAQs

Yes, you can check your credit score for free on the official CIBIL website.

Go to the CIBIL website. The necessary details, such as your name, email address, PAN, and phone number, should be provided. Answer a few inquiries about your debts and payment history to verify your request.

Credit reports are produced by CIBIL using credit information that is regularly gathered from banks and other financial organizations.

No, it is kept completely private and only a small number of authorised parties, excluding you, have access to it. Additionally, only if you ask for a loan may the authorities check your credit report. They are not allowed to reveal the information to anyone else under any circumstances.

First, you will have to visit the official CIBIL website and log in. On the Dashboard Page of the myCIBIL portal, click the 'History' option in the top right corner to access your previous reports. By selecting 'Download' or 'Email,' you can also opt to download or send a PDF copy of the chosen report.

You will have to purchase one of the unlimited access options from the official CIBIL website if you have already received your Free CIBIL Score and Report for the year and want to keep an eye on your credit history.

Based on your CIBIL Score, you will have access to tailored loan and credit card offers, if you get your credit score from the official CIBIL website. If you discover any anomalies or mistakes that appear on your CIBIL Report, you can also lodge complaints online.

The default password for your file is to enter your birth date in DD/MM/YYYY format, and your report will unlock.

Credit Score Related Links

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