Credit Score Check Archives: A Complete Guide to Your Financial Health

You can access your credit score archives by requesting reports from credit bureaus like CIBIL, Experian, or Equifax. Each bureau provides one free credit report annually, as mandated by the Reserve Bank of India.

No, checking your own credit report or archives is considered a "soft inquiry" and does not impact your credit score in any way.

Your archives include details about your credit score history, payment records, credit utilization, account balances, credit inquiries, and any outstanding debts.

It’s recommended to review your credit score and archives at least once every six months to stay informed about your financial health and promptly address any discrepancies.