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Self-check
Eight questions on the habits that shape your credit file — payments, utilisation, hygiene and applications. Each answer flags on-track, worth-a-look or act-now, with the chapter that covers it.
What this is not: a credit score, a simulation of one, or advice. No bureau publishes its model, so nothing can reproduce it. This is a habits check against the factors bureaus themselves name — and it runs entirely in your browser: nothing is stored, submitted or scored.
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Runs in your browser. Nothing is stored, sent or scored.
Payment history is the first factor every bureau names. Co-signed and guaranteed accounts count too — the other person's miss lands on your report.
Current days-past-due is the most damaging thing on a report because lenders read it as active stress, not history.
Balance ÷ limit, per card and overall. No bureau publishes a safe number; this asks where you are, not what is allowed.
Account age is on every bureau's factor list. Closing the oldest card trims age and cuts available limit, which pushes utilisation up.
Not the score app — the full report, from a bureau's own site via the free annual entitlement.
Accurate information stays; inaccurate information is corrected on RBI's 30-day clock with ₹100-per-day compensation past that.
Each application leaves an enquiry, and bureau guidance reads a cluster of them as rising debt appetite.
RBI requires an alert when a specified user pulls your report — it is how an unauthorised enquiry gets caught early.
Answer eight questions about your credit habits — whether every due was paid on time, where balances sit against limits, whether you have read the full report, and how many applications you have made recently. Each answer maps to on-track, worth-a-look or act-now, with the chapter that covers the gap. It is a habits check, not a score.
Each answer maps to a fixed state (ok, review or act) chosen when the question was written from bureau guidance and RBI rules — there is no model behind it. Items flagged for action link to the chapter or tool that addresses them. Unanswered questions stay pending, and no summary number is produced because no bureau publishes its scoring model to reproduce.
This is a self-check against factors bureaus name — payment history, utilisation, account age, application moderation — and RBI entitlements like the free annual report and access alerts. It is not a credit score, cannot predict one, and stores nothing.
No. It produces no number and simulates none — no bureau publishes its model, so nothing can reproduce it. It checks habits against the factors bureaus themselves name.
Nowhere. The checklist runs in your browser session and resets when you leave the page. There is no account, no storage and no network call.
Follow its link: utilisation goes to the calculator, an unread report to the free-report chapter, an unfiled dispute to the 30-day rule, and application or alert concerns to the enquiries and fraud chapters.
Payment history, utilisation, account age, application moderation and co-signed accounts are the factors bureau guidance names. Reading the full report and acting on access alerts are habits built on RBI rules — the free annual report and the SMS/email alert are entitlements, not best practices someone invented. Anything inaccurate on the report is corrected on the 30-day dispute clock.
Reviewed 23 Sept 2026. Rules change — the RBI directions and each bureau's own pages are the authority, and this hub links straight to them.