Free Full Credit Report (FFCR)

RBI requires every bureau to give you, on request and after authentication, one free full credit report including your credit score, once at any time during a calendar year (January–December). The free report must be as detailed as the version lenders see, credit score included, and the link to it must sit prominently on the bureau's own home page. Bureaus may charge for additional reports in the same year. Requesting your own report is not a lender enquiry, so it does not affect your score — and claiming one from each bureau is the cheapest way to see where your data differs.