Credit score estimator

Answer seven questions to see your likely score band, what is pulling it down, and how to get your real report free from all four bureaus.

EMIs / card dues paid late in the last 12 months

Anything overdue right now?

Accounts marked “settled” or “written off” in the last 7 years

I have a credit cardHow much of your total card limit is used 45%

Age of your oldest loan or card

Types of credit you have

Loan or card applications in the last 6 months

Your estimated score band

766 – 806

Excellent · scale 300–900

Card utilisation70%
Credit mix60%
New enquiries70%
Age of credit80%
Repayment history100%

What would lift it most

Keep card use under 30% of the limit — pay mid-cycle if needed.
A small secured product (FD-backed card or gold loan) paid on time adds a healthy mix.
Stop applying for new loans / cards for 6 months — every application is a hard enquiry.

Get your real score — free

By RBI rules each bureau gives you one free full report a year:

Then track it in your Credit tracker (sign in).

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Indicative only — actual results depend on lender policy and your full credit file. Settlement is always at the lender's discretion and is paid directly to the lender. This is an estimate, not a bureau score.