{"id":10077,"date":"2026-07-25T11:29:28","date_gmt":"2026-07-25T05:59:28","guid":{"rendered":"https:\/\/www.fatakpay.com\/blog\/?p=10077"},"modified":"2026-07-25T11:29:29","modified_gmt":"2026-07-25T05:59:29","slug":"cibil-score-charges","status":"publish","type":"post","link":"https:\/\/www.fatakpay.com\/blog\/credit-score\/cibil-score-charges\/","title":{"rendered":"CIBIL Score Charges &#8211; How Much it Costs to Check Your CIBIL Score?\u00a0"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Your CIBIL score plays a key role in&nbsp;determining&nbsp;your eligibility for loans and credit cards. Many borrowers wonder whether checking their score involves any fees. Understanding&nbsp;CIBIL score charges, available subscription plans and free access options can help you&nbsp;monitor&nbsp;your credit health without unnecessary expenses. This guide explains the costs, free&nbsp;alternatives&nbsp;and what you receive with paid plans.&nbsp;<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/cibil-score-charges\/#Why_Should_You_Check_Your_CIBIL_Score\" >Why Should You Check Your CIBIL Score?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/cibil-score-charges\/#How_Much_Does_It_Cost_to_Check_Your_CIBIL_Score\" >How Much Does It Cost to Check Your CIBIL Score?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/cibil-score-charges\/#Free_vs_Paid_Which_Should_You_Choose\" >Free vs Paid: Which Should You Choose?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/cibil-score-charges\/#How_Does_CIBIL_Help_Lenders_and_Borrowers\" >How Does CIBIL Help Lenders and Borrowers?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/cibil-score-charges\/#How_to_Check_Your_CIBIL_Score_for_Free\" >How to Check Your CIBIL Score for Free&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/cibil-score-charges\/#Check_Your_CIBIL_Score_for_Free_with_FatakPay\" >Check Your CIBIL Score for Free with&nbsp;FatakPay&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/cibil-score-charges\/#Conclusion\" >Conclusion&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/cibil-score-charges\/#FAQs\" >FAQs&nbsp;&nbsp;<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/cibil-score-charges\/#What_is_the_charge_for_additional_CIBIL_reports\" >What is the charge for&nbsp;additional&nbsp;CIBIL reports?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/cibil-score-charges\/#Is_FatakPays_CIBIL_score_free_or_paid\" >Is&nbsp;FatakPay&#8217;s&nbsp;CIBIL score free or paid?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/cibil-score-charges\/#Is_the_CIBIL_score_the_same_as_a_credit_report\" >Is the CIBIL score the same as a credit report?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/cibil-score-charges\/#Do_lenders_charge_extra_for_showing_my_CIBIL_score_when_applying_for_a_loan\" >Do lenders charge extra for showing my CIBIL score when applying for a loan?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/cibil-score-charges\/#Can_I_check_my_CIBIL_score_without_ever_paying\" >Can I check my CIBIL score without ever paying?&nbsp;<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_Should_You_Check_Your_CIBIL_Score\"><\/span><strong>Why Should You Check Your CIBIL Score?<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Regularly reviewing your CIBIL score helps you understand how lenders assess your creditworthiness. It allows you to&nbsp;identify&nbsp;errors,&nbsp;monitor&nbsp;changes in your credit&nbsp;profile&nbsp;and take corrective action before applying for credit. A healthy score can improve your chances of loan approval and help you secure better interest rates.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Checking your score also helps you track the impact of repayments, credit&nbsp;utilisation&nbsp;and new loan applications. You can also check your CIBIL score for free before applying for a loan to understand where you stand and take steps to improve your credit profile if&nbsp;required.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_Much_Does_It_Cost_to_Check_Your_CIBIL_Score\"><\/span><strong>How Much Does It Cost to Check Your CIBIL Score?<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The answer depends on how often you want to access your credit information. Under RBI guidelines, you can obtain one free full credit report every calendar year from each credit information company, including TransUnion CIBIL.&nbsp;This means there are no mandatory&nbsp;CIBIL charges if you only need an annual report.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you need more frequent updates, TransUnion CIBIL offers paid subscription plans that provide unlimited score checks, regular credit monitoring,&nbsp;alerts&nbsp;and access to multiple reports throughout the year. These plans involve&nbsp;CIBIL report charges, which vary depending on the subscription selected.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Paid memberships are useful if you are actively improving your credit profile or planning to apply for multiple loans. Before subscribing, compare the available&nbsp;CIBIL score fees&nbsp;with the features offered to&nbsp;determine&nbsp;whether the&nbsp;charges for CIBIL score&nbsp;provide value for your financial needs.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Free_vs_Paid_Which_Should_You_Choose\"><\/span><strong>Free vs Paid: Which Should You Choose?<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Free access:<\/strong>\u00a0Best if you only need to review your credit profile occasionally. You can receive one free report every calendar year without paying any\u00a0CIBIL charges.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Paid subscription:<\/strong>\u00a0Suitable if you want unlimited access, credit monitoring, score\u00a0alerts\u00a0and multiple reports throughout the year.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Cost comparison:\u00a0<\/strong>While free access eliminates\u00a0CIBIL score charges, paid plans offer\u00a0additional\u00a0features that may justify the CIBIL\u00a0report\u00a0fees.\u00a0<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Who should choose&nbsp;paid? Borrowers preparing for a home loan,&nbsp;<a href=\"https:\/\/www.fatakpay.com\/personal-loan\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>personal loan<\/strong><\/a>&nbsp;or credit card application may&nbsp;benefit&nbsp;from continuous monitoring despite the&nbsp;CIBIL score fees.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_Does_CIBIL_Help_Lenders_and_Borrowers\"><\/span><strong>How Does CIBIL Help Lenders and Borrowers?<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">CIBIL collects and&nbsp;maintains&nbsp;borrowers&#8217; credit information, enabling lenders to evaluate repayment&nbsp;behaviour&nbsp;before approving loans. A good credit history improves your chances of obtaining loans at competitive interest rates and with better borrowing terms.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Your credit profile may also be reviewed if you apply with a co-applicant or act as a&nbsp;<a href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/guarantor-of-loan\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>guarantor of a loan<\/strong><\/a>, as lenders assess the&nbsp;financial responsibility&nbsp;of everyone involved. By regularly&nbsp;monitoring&nbsp;your report, borrowers can&nbsp;identify&nbsp;inaccuracies and&nbsp;maintain&nbsp;a strong credit profile.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_Check_Your_CIBIL_Score_for_Free\"><\/span><strong>How to Check Your CIBIL Score for Free<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>Visit the official TransUnion CIBIL website or a trusted financial platform such as\u00a0FatakPay.\u00a0<\/li>\n<\/ol>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li>Register using your mobile number, email\u00a0address\u00a0and identity details.\u00a0<\/li>\n<\/ol>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li>Complete the identity verification process.\u00a0<\/li>\n<\/ol>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li>Submit your request to access your free credit report.\u00a0<\/li>\n<\/ol>\n\n\n\n<ol start=\"5\" class=\"wp-block-list\">\n<li>View or download your credit report and review your score carefully.\u00a0<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Check_Your_CIBIL_Score_for_Free_with_FatakPay\"><\/span><strong>Check Your CIBIL Score for Free with&nbsp;FatakPay<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Monitoring your credit health is&nbsp;an important step&nbsp;before applying for any loan. With&nbsp;FatakPay, you can&nbsp;<a href=\"https:\/\/www.fatakpay.com\/check-cibil-score\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>check your CIBIL score for free<\/strong><\/a>, track changes in your credit profile and explore&nbsp;<a href=\"https:\/\/www.fatakpay.com\/instant-loans-online\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>instant loan<\/strong><\/a>&nbsp;options&nbsp;upto&nbsp;\u20b920,000*&nbsp; based&nbsp;on your eligibility. Regular monitoring helps you&nbsp;identify&nbsp;areas for improvement and make informed borrowing decisions without worrying about unnecessary charges to check your CIBIL score.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Understanding&nbsp;CIBIL score charges&nbsp;helps you decide whether free access or a paid subscription is the right choice. Since every borrower is entitled to one free credit&nbsp;report&nbsp;each calendar year, many people may never need to pay&nbsp;additional&nbsp;CIBIL report charges.&nbsp;Maintaining a healthy credit profile and understanding concepts like&nbsp;<a href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/loan-defaulter-vs-wilful-defaulter\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>loan defaulter vs wilful defaulter<\/strong><\/a><strong>&nbsp;<\/strong>can improve your financial awareness and strengthen your chances of securing future credit on&nbsp;favourable&nbsp;terms.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span><strong>FAQs&nbsp;<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_the_charge_for_additional_CIBIL_reports\"><\/span><strong>What is the charge for&nbsp;additional&nbsp;CIBIL reports?<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">After your free annual report,&nbsp;additional&nbsp;reports are&nbsp;generally available&nbsp;through paid subscription plans. The applicable CIBIL&nbsp;report&nbsp;charges depend on the membership plan you choose.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Is_FatakPays_CIBIL_score_free_or_paid\"><\/span><strong>Is&nbsp;FatakPay&#8217;s&nbsp;CIBIL score free or paid?<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">FatakPay&nbsp;allows eligible users to check their CIBIL score for free, enabling them to&nbsp;monitor&nbsp;their credit health without paying separate CIBIL score check charges.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Is_the_CIBIL_score_the_same_as_a_credit_report\"><\/span><strong>Is the CIBIL score the same as a credit report?<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">No. A CIBIL score is a three-digit numerical representation of your creditworthiness, while a credit report&nbsp;contains&nbsp;detailed information about your loans, credit cards, repayment history, credit&nbsp;enquiries&nbsp;and other borrowing activities.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Do_lenders_charge_extra_for_showing_my_CIBIL_score_when_applying_for_a_loan\"><\/span><strong>Do lenders charge extra for showing my CIBIL score when applying for a loan?<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Generally, lenders&nbsp;do not separately charge borrowers for accessing their CIBIL score during a loan application. The cost of obtaining the report is usually included in the lender&#8217;s internal processing costs.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Can_I_check_my_CIBIL_score_without_ever_paying\"><\/span><strong>Can I check my CIBIL score without ever paying?<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Yes. Every borrower can obtain one free credit report from TransUnion CIBIL every calendar year. You can also check your CIBIL score for free through&nbsp;authorised&nbsp;financial platforms such as&nbsp;FatakPay.&nbsp;<\/p>\n\n\n\n<script type=\"application\/ld+json\"> \n\n{ \n\n  \"@context\": \"https:\/\/schema.org\/\", \n\n  \"@type\": \"BreadcrumbList\", \n\n  \"itemListElement\": [{ \n\n    \"@type\": \"ListItem\", \n\n    \"position\": 1, \n\n    \"name\": \"Home\", \n\n    \"item\": \"https:\/\/www.fatakpay.com\" \n\n  },{ \n\n    \"@type\": \"ListItem\", \n\n    \"position\": 2, \n\n    \"name\": \"Blog\", \n\n    \"item\": \"https:\/\/www.fatakpay.com\/blog\/\" \n\n  },{ \n\n    \"@type\": \"ListItem\", \n\n    \"position\": 3, \n\n    \"name\": \"Credit Score\", \n\n    \"item\": \"https:\/\/www.fatakpay.com\/blog\/credit-score\/\" \n\n  },{ \n\n    \"@type\": \"ListItem\", \n\n    \"position\": 4, \n\n    \"name\": \"CIBIL Score Charges\", \n\n    \"item\": \"https:\/\/www.fatakpay.com\/blog\/credit-score\/cibil-score-charges\/\" \n\n  }] \n\n} \n\n<\/script> \n\n\n\n<script type=\"application\/ld+json\"> \n\n{ \n\n  \"@context\": \"https:\/\/schema.org\", \n\n  \"@type\": \"BlogPosting\", \n\n  \"mainEntityOfPage\": { \n\n    \"@type\": \"WebPage\", \n\n    \"@id\": \"https:\/\/www.fatakpay.com\/blog\/credit-score\/cibil-score-charges\/\" \n\n  }, \n\n  \"headline\": \"CIBIL Charges in India: Report Fees & Score Check Cost\", \n\n  \"description\": \"Learn about CIBIL score charges, CIBIL report fees, free annual credit reports, paid subscription plans, and how to check your CIBIL score for free.\", \n\n  \"image\": \"https:\/\/www.fatakpay.com\/navbar-assest\/Logo-2.png\", \n\n  \"author\": { \n\n    \"@type\": \"Organization\", \n\n    \"name\": \"FatakPay\", \n\n    \"url\": \"https:\/\/www.fatakpay.com\" \n\n  }, \n\n  \"publisher\": { \n\n    \"@type\": \"Organization\", \n\n    \"name\": \"FatakPay\", \n\n    \"logo\": { \n\n      \"@type\": \"ImageObject\", \n\n      \"url\": \"https:\/\/www.fatakpay.com\/navbar-assest\/Logo-2.png\" \n\n    } \n\n  }, \n\n  \"datePublished\": \"2026-07-25\", \n\n  \"dateModified\": \"2026-07-25\" \n\n} \n\n<\/script> \n\n\n\n<script type=\"application\/ld+json\"> \n\n{ \n\n  \"@context\": \"https:\/\/schema.org\", \n\n  \"@type\": \"FAQPage\", \n\n  \"mainEntity\": [{ \n\n    \"@type\": \"Question\", \n\n    \"name\": \"What is the charge for additional CIBIL reports?\", \n\n    \"acceptedAnswer\": { \n\n      \"@type\": \"Answer\", \n\n      \"text\": \"After your free annual report, additional reports are generally available through paid subscription plans. The applicable CIBIL report charges depend on the membership plan you choose.\" \n\n    } \n\n  },{ \n\n    \"@type\": \"Question\", \n\n    \"name\": \"Is FatakPay's CIBIL score free or paid?\", \n\n    \"acceptedAnswer\": { \n\n      \"@type\": \"Answer\", \n\n      \"text\": \"FatakPay allows eligible users to check their CIBIL score for free, enabling them to monitor their credit health without paying separate CIBIL score check charges.\" \n\n    } \n\n  },{ \n\n    \"@type\": \"Question\", \n\n    \"name\": \"Is the CIBIL score the same as a credit report?\", \n\n    \"acceptedAnswer\": { \n\n      \"@type\": \"Answer\", \n\n      \"text\": \"No. A CIBIL score is a three-digit numerical representation of your creditworthiness, while a credit report contains detailed information about your loans, credit cards, repayment history, credit enquiries and other borrowing activities.\" \n\n    } \n\n  },{ \n\n    \"@type\": \"Question\", \n\n    \"name\": \"Do lenders charge extra for showing my CIBIL score when applying for a loan?\", \n\n    \"acceptedAnswer\": { \n\n      \"@type\": \"Answer\", \n\n      \"text\": \"Generally, lenders do not separately charge borrowers for accessing their CIBIL score during a loan application. The cost of obtaining the report is usually included in the lender's internal processing costs.\" \n\n    } \n\n  },{ \n\n    \"@type\": \"Question\", \n\n    \"name\": \"Can I check my CIBIL score without ever paying?\", \n\n    \"acceptedAnswer\": { \n\n      \"@type\": \"Answer\", \n\n      \"text\": \"Yes. Every borrower can obtain one free credit report from TransUnion CIBIL every calendar year. You can also check your CIBIL score for free through authorised financial platforms such as FatakPay.\" \n\n    } \n\n  }] \n\n} \n\n<\/script> \n","protected":false},"excerpt":{"rendered":"<p>Your CIBIL score plays a key role in&nbsp;determining&nbsp;your eligibility for loans and credit cards. Many borrowers wonder whether checking their score involves any fees. Understanding&nbsp;CIBIL score charges, available subscription plans and free access options can help you&nbsp;monitor&nbsp;your credit health without unnecessary expenses. This guide explains the costs, free&nbsp;alternatives&nbsp;and what you receive with paid plans.&nbsp; Why<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[164],"tags":[],"class_list":["post-10077","post","type-post","status-publish","format-standard","category-credit-score"],"_links":{"self":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts\/10077","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/comments?post=10077"}],"version-history":[{"count":1,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts\/10077\/revisions"}],"predecessor-version":[{"id":10078,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts\/10077\/revisions\/10078"}],"wp:attachment":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/media?parent=10077"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/categories?post=10077"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/tags?post=10077"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}