Here’s how to check your credit score if you’ve been the victim of identity theft

From booking a taxi to bulk payments, everything can now be done with just a few clicks. Despite these advantages, online services and applications also have the biggest disadvantage, which is that fraudsters can sometimes impersonate you and conduct online transactions in your name.

In cases of online identity theft, the person is not aware of the same and only learns when the lender starts to chase them for repayment or when they check their credit rating online.

This is why it is extremely important to regularly check your credit score and reports, as these reports not only provide an overview of current loans and payments, but also those that have been made in the past.

So what is a credit score? A credit score is a 3-digit number between 300 and 900 that describes your creditworthiness and is based on your credit history. Creditworthiness basically means your ability to repay a loan or card fee in the future.

A credit score of 750 and above is considered excellent because it implies that you have regularly repaid your loans and cleared pending card fees on time. Your credit score depends on factors such as new debt, credit or repayment history, credit mix, and credit utilization rate.

One can visit the official website of CIBIL (Credit Information Bureau (India) Limited) to check their credit score. Other portals like Tata Capital and HDFC Bank also offer this service for free.

Steps to check your credit score

Here’s how to check your credit score as a new customer

Step 1: Enter details such as first and last name, date of birth, gender, email id, PAN number, mobile number, address, state, city and pin code on one of the portals mentioned above.
Step 2: Confirm that all your information is correct to the best of your knowledge
Step 3: Hit the “submit” option.
Step 4: Get your credit score online.

Here’s how to check your credit score as an existing customer:

Step 1: You can check your credit score through a registered mobile number on any of the portals mentioned above.
Step 2: Complete the OTP to check your credit score online.
Step 3: Confirm that all your information is correct.
Step 4: Click on the “Submit” option.
Step 5: Get your credit score online.

Read also: Victim of identity theft? Here’s how to fix your credit score