All credit rating bureaus offer this facility where you can check your credit score on their website for free. You will have to furnish your details such as name, email ID, mobile number and PAN card number.

If you do not have a CIBIL score but are a salaried employee, you can get a credit card based on the salary. You can also apply for a secured credit card or a credit card against a savings account. These cards offer fewer benefits but help build your CIBIL score.

Credit rating bureaus score your loan repayment capability and credit usage behaviour, which is referred to as credit score. However, when CIBIL, which is one of the leading credit rating bureaus, assigns you a credit score, it is commonly known as the CIBIL score. Except for their name, both of them serve the same purpose.