How To Know Credit Score In Telugu

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Namaskaram! ?ీ ?్?ె?ి?్ ?్?ో?్‌?ు ?ె?ు?ు?ో?ా??ు?ుం?ు?్?ా?ా? (Do you want to know your credit score?) It's a crucial number that lenders look at when you apply for loans or credit cards. Don't worry, the process is quite straightforward. Let's dive in and see how you can easily check your credit score in Telugu.

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☰ Table of Contents

• Step 1: ??్?ం ?ే?ు?ో??ం - Understanding Your Credit Score
• Step 2: ?ీ ?ం?ి???ు ??్?ే?ిం??ం - Exploring Your Options
• 2.1 ?్?ె?ి?్ ?్?ూ?ో ?ె?్‌?ై?్‌?ు (Credit Bureau Websites)
• 2.2 ??? ?్?ా?్‌?ా??్‌?ు ??ి?ు ??్?ి?ే??్?ు (Other Platforms and Aggregators)
• 2.3 ?ీ ?్?ాం?్ ?ే?ా ??్?ి? ?ం?్? (Your Bank or Financial Institution)
• Step 3: ?ీ ?ి?ే?ి??ు ??ీ?్?ిం??ం (Reviewing Your Report)
• Step 4: ?్??ం ??్??ుం?ా ??్??ే?్?ిం??ం (Monitoring Regularly)
• Questions and Answers

Step 1: ??్?ం ?ే?ు?ో??ం - Understanding Your Credit Score

Before we jump into the "how-to," let's briefly understand what a credit score is and why it's important.

• ?్?ె?ి?్ ?్?ో?్ ?ం?ే ??ి?ి? (What is a credit score?) ?ీ ?్?ె?ి?్ ?్?ో?్ ??ే?ి ?ీ ?్?ె?ి?్ ??ి?్? ?ొ?్? ?ం?్?ా ?్?ా?ి?ి?్?ం. ??ి ?ీ?ు ?ు?ా?ు ?ి?ి?ి ?ె?్?ిం?ే ?ం?ా?్???ు ?ూ?ి?్?ుం?ి. ?ా?ా??ం?ా, ??ి 300 ?ుం?ి 900 ???ు ?ం?ుం?ి, ??ి? ?్?ో?్‌?ు ?ం?ి?ి?ా ??ి??ిం????ా?ి.

• ??ి ?ం?ు?ు ?ు?్?ం? (Why is it important?) ?ీ ?్?ె?ి?్ ?్?ో?్ ??ే? ?ి??ా??ు ?్??ా?ి?ం ?ే?్?ుం?ి:

  • ?ు?ా?ు ??ి?ు ?్?ె?ి?్ ?ా?్?ు??ై ??్?ీ ?ే?్?ు. ??ి? ?్?ో?్ ?ం?ే ??్?ు? ??్?ీ ?ే?్?ు.
  • ?ు?ం ?ే?ా ?్?ె?ి?్ ?ా?్?్ ??ో?ం ?ొం?ే ???ా?ం. ?ం?ి ?్?ో?్ ?ీ ???ా?ా??ు ?ెం?ు?ుం?ి.
  • ?ొ?్?ి?ా?్?ు, ??్?ె?ు ??్?ు ??ి?ు ??్?ో?ా? ?ో?ం ?ూ?ా ?ీ?ి?ి ??ి?ీ?ి?్?ా?ు.

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How To Know Credit Score In Telugu

Step 2: ?ీ ?ం?ి???ు ??్?ే?ిం??ం - Exploring Your Options

There are several ways you can check your credit score in India. Here are some common methods:

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2.1 ?్?ె?ి?్ ?్?ూ?ో ?ె?్‌?ై?్‌?ు (Credit Bureau Websites)

In India, there are four main credit bureaus that are authorized by the Reserve Bank of India (RBI):

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• CIBIL (Credit Information Bureau (India) Limited): ??ి ?ా???ే?ం?ో ??్?ం? ?్??ి?్? ?్?ె?ి?్ ?్?ూ?ో. ?ీ?ు ?ా?ి ??ి?ా?ి? ?ె?్‌?ై?్‌?ో ?ీ ?్?ో?్‌?ు ??ి?ీ ?ే???్?ు.
• Experian: ??్?్‌?ీ?ి??్ ?ూ?ా ?ీ ?్?ె?ి?్ ?్?ో?్‌?ు ??్‌?ై?్‌?ో ??ి?ీ ?ే??ా?ి?ి ?? ?ం?ి??ు ?ం?ి?్?ుం?ి.
• Equifax: ??్?ి?ా?్?్ ?ా?ి ?ె?్‌?ై?్ ?్?ా?ా ?్?ె?ి?్ ?్?ో?్ ??ి?ీ?ి ?ూ?ా ?ం?ి?్?ుం?ి.
• CRIF High Mark: CRIF ?ై ?ా?్?్ ?ూ?ా ?? ?ు?్?ిం?ు ?ొం?ి? ?్?ె?ి?్ ?్?ూ?ో.

Step 2.1.1: CIBIL ?్?ా?ా ??ి?ీ ?ే??ం (Checking through CIBIL)

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1. CIBIL ?ొ?్? ??ి?ా?ి? ?ె?్‌?ై?్‌?ు ?ం??్?ిం?ం?ి: https://www.cibil.com/
2. ?ా?ి ?ె?్‌?ై?్‌?ో "Get your CIBIL Score" ?ే?ా ??ాం?ి ?ం?ి??ు ??ు?ొ?ం?ి.
3. ?ీ?ు ?ీ ?ే?ు, ?ు?్?ి? ?ే?ీ, ?ి?ు?ా?ా, ?ా?్ ?ా?్?్ ?ం??్ ??ి?ు ?ొ?ై?్ ?ం??్‌?ో ??ా ?????ై? ?ి??ా??ు ?ూ?ిం?ా?్?ి ?ం?ుం?ి.
4. ?ీ ?ు?్?ిం?ు?ు ?ృ?ీ??ిం??ా?ి?ి ?ీ?ు ?ొ?్?ి ?్??్???ు ??ా?ా?ం ??్?ా?్?ి ?ం?ుం?ి.
5. ?ొ?్?ి?ా?్?ు, ?ీ?ు ?ీ ?్?ో?్‌?ు ?ొం??ా?ి?ి ?? ?ి?్? ?ు?ు?ు ?ె?్?ిం?ా?్?ి ?ం?ుం?ి. ??ి?ే, ?ం??్??ా?ి?ి ???ా?ి ?ీ?ు ??ి?ం?ా ?ీ ?్?ా??ి? ?్?ె?ి?్ ?ి?ే?ి??ు ?ొం???్?ు.
6. ?ి???ం??ై? ?ృ?ీ??? ??్?ా?, ?ీ CIBIL ?్?ో?్ ??ి?ు ?ి?ే?ి? ?్???్?ిం????ా?ి.

Step 2.1.2: ??? ?్?ూ?ో? ?్?ా?ా ??ి?ీ ?ే??ం (Checking through other bureaus)

Experian, Equifax ??ి?ు CRIF High Mark ? ?్?ా?ా ??ి?ీ ?ే?ే ?్??్?ి? ?ూ?ా ?ా?ా ???ు ??ే ?ి?ం?ా ?ం?ుం?ి. ?ీ?ు ?ా?ి ?ం?ం?ి? ?ె?్‌?ై?్‌??ు ?ం??్?ిం?ి, ?????ై? ?ి??ా??ు ?ం?ిం?ి, ?ృ?ీ??? ?్??్?ి??ు ?ూ?్?ి ?ే?ా?ి.

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2.2 ??? ?్?ా?్‌?ా??్‌?ు ??ి?ు ??్?ి?ే??్?ు (Other Platforms and Aggregators)

There are also several third-party platforms and financial aggregators that partner with credit bureaus to provide credit scores. These platforms often offer additional features like credit monitoring. Some popular examples include:

• Paisabazaar
• BankBazaar
• Myloancare

Step 2.2.1: ? ?్?ా?్‌?ా??్‌??ు ???ో?ిం??ం (Using these platforms)

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1. ? ?్?ా?్‌?ా??్‌??ో ???ా?ి ?ొ?్? ?ె?్‌?ై?్ ?ే?ా ?ొ?ై?్ ??ు??్??ా?్?ి ?ం??్?ిం?ం?ి.
2. "Check Credit Score" ?ే?ా ??ాం?ి ?ం?ి??ు ??ు?ొ?ం?ి.
3. ?ీ ?ే?ు, ?ొ?ై?్ ?ం??్ ??ి?ు ??? ?్?ా??ి? ?ి??ా??ు ??ో?ు ?ే?ం?ి.
4. ?ీ ?ు?్?ిం?ు?ు ?ృ?ీ??ిం??ా?ి?ి ?ొ?్?ి?ా?్?ు OTP (??్-?ై?్ ?ా?్‌??్?్) ?ీ ?ొ?ై?్‌?ు ?ం???ు?ుం?ి.
5. ?ా?ా ?ం??్?ా??ో, ? ?్?ా?్‌?ా??్‌? ?్?ా?ా ?్?ె?ి?్ ?్?ో?్‌?ు ??ి?ీ ?ే??ం ??ి?ం.
6. ?ృ?ీ??? ??్?ా?, ?ీ ?్?ె?ి?్ ?్?ో?్ ?్???్?ిం???ు?ుం?ి.

2.3 ?ీ ?్?ాం?్ ?ే?ా ??్?ి? ?ం?్? (Your Bank or Financial Institution)

Many banks and financial institutions now offer the facility to check your credit score through their net banking portals or mobile applications.

Step 2.3.1: ?ీ ?్?ాం?్ ?్?ా?ా ??ి?ీ ?ే??ం (Checking through your bank)

1. ?ీ ?్?ాం?్ ?ొ?్? ?ె?్ ?్?ాం?ిం?్ ?ా?ా?ు ?ా?ి?్ ??్?ం?ి ?ే?ా ?ా?ి ?ొ?ై?్ ??ు??్??ా?్?ి ?ె??ం?ి.
2. ?ా?ా ?ా?్‌?ో?్?్ ?ే?ా ?ే?? ?ి?ా?ం?ో "Check Credit Score" ?ే?ా ??ాం?ి ?ం?ి? ?ో?ం ?ూ?ం?ి.
3. ?ీ?ు ?ీ ?్?ో?్‌?ు ?ూ??ా?ి?ి ?ొ?్?ి ?్?ా??ి? ?ి??ా??ు ??ో?ు ?ే?ా?్?ి ?ం?ుం?ి.
4. ? ?ే? ?ా?ా??ం?ా ??ి?ం?ా ?ం?ిం???ు?ుం?ి.

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Step 3: ?ీ ?ి?ే?ి??ు ??ీ?్?ిం??ం (Reviewing Your Report)

Once you receive your credit score and report, take some time to review it carefully.

• ??్?ి??్?ా?్?ి ??ి?ీ ?ే?ం?ి (Check for accuracy): ?ీ ?్??్?ి?? ?ి??ా?ు, ?ా?ా? ?ి??ా?ు ??ి?ు ?ె?్?ిం?ు ??ి?్? ??ి?్?ా ??్?ా?ో ?ే?ో ??ి?ీ ?ే?ం?ి. ??ై?ా ?ో?ా?ు ?ం?ే, ?ం?ం?ి? ?్?ె?ి?్ ?్?ూ?ో?ో ?ా?ి?ి ??ి?ి?్??ా?ి?ి ??్??ు ?ీ?ు?ోం?ి.
• ?ీ ?్?ో?్‌?ు ??్?ం ?ే?ు?ోం?ి (Understand your score): ?ీ ?్?ో?్ ?ొ?్? ??ి?ి?ి ??ి?ు ??ి ??ి ?ూ?ి?్?ుం?ో ?ె?ు?ు?ోం?ి. ?ం?ి ?్?ె?ి?్ ???ా?్??ు ?ొ??ా?ిం??ా?ి?ి ??ి ?ీ?ు ??ా???ు?ుం?ి.

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Step 4: ?్??ం ??్??ుం?ా ??్??ే?్?ిం??ం (Monitoring Regularly)

It's a good practice to check your credit score periodically to stay informed about your credit health. This can help you identify any potential issues early on and take corrective action.

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How to - ???ు?ా ??ి?ే ?్??్??ు (Frequently Asked Questions)

1. How to check CIBIL score for free once a year? ?ం??్??ా?ి?ి ???ా?ి ??ి?ం?ా ?ీ CIBIL ?్?ో?్‌?ు ??ి?ీ ?ే??ా?ి?ి, ?ీ?ు CIBIL ?ొ?్? ??ి?ా?ి? ?ె?్‌?ై?్‌?ు ?ం??్?ిం?ి, "Free Annual CIBIL Score" ?ం?ి??ు ?ం?ు?ో?ా?ి. ?ీ?ు ?ీ ?్?ా??ి? ?ి??ా??ు ?ూ?ిం?ా?ి ??ి?ు ?ృ?ీ??? ?్??్?ి??ు ?ూ?్?ి ?ే?ా?ి.

2. How to improve my low credit score? ??్?ు? ?్?ె?ి?్ ?్?ో?్‌?ు ?ె?ు?ు????ా?ి?ి, ?ీ?ు ?ీ ??ా?ి??ు ??ా?ం?ో ?ె?్?ిం?ా?ి, ?ీ ?్?ె?ి?్ ?ి?ి?ో?ా?్?ి ??్?ు??ా ?ం?ు?ో?ా?ి, ??్?ు? ?్?ె?ి?్ ???ా?్?ు??ు ?ి?ా?ిం?ా?ి ??ి?ు ?ీ ?్?ె?ి?్ ?ి?ే?ి??ో ??ై?ా ?ో?ా?ు ?ం?ే ?ా?ి?ి ??ి?ి?్?ా?ి.

3. How to get a detailed credit report in Telugu? ?ి???ై? ?్?ె?ి?్ ?ి?ే?ి??ు ?ొం??ా?ి?ి, ?ీ?ు ??ై?ా ?్?ె?ి?్ ?్?ూ?ో ?ొ?్? ?ె?్‌?ై?్‌?ు ?ం??్?ిం?ి, ?ా?ి "Get Credit Report" ?ం?ి??ు ?ం?ు?ో??్?ు. ?ీ?ి?ి ?ా?ా??ం?ా ?ు?ు?ు ?ం?ుం?ి. ?ి?ే?ి??ో ?ీ ?్?ె?ి?్ ??ి?్??ు ?ం?ం?ిం?ి? ?ూ?్?ి ?ి??ా?ు ?ం?ా?ి.

4. How to understand the different ranges of credit scores? ?ా?ా??ం?ా, 300-549 ?ే???ై??ి, 550-649 ???ు, 650-749 ?ం?ి?ి ??ి?ు 750-900 ??్?ు??ై??ి?ా ??ి??ిం???ు?ుం?ి. ? ??ి?ు?ు ?ు??ా?? ?ొ?్? ??ో?ం ??ి?ు ??్?ీ ?ే?్??ు ?్??ా?ి?ం ?ే?్?ా?ి.

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5. How to dispute errors in my credit report? ?ీ ?్?ె?ి?్ ?ి?ే?ి??ో ??ై?ా ?ో?ా?ు ?ం?ే, ?ీ?ు ?ం?ం?ి? ?్?ె?ి?్ ?్?ూ?ో ?ొ?్? ?ె?్‌?ై?్‌?ో ?ి?ా?ా?్?ి ?ే??ె?్???్?ు. ?ా?ు ?ీ ??్??్???ు ??ి?ీ?ి?్?ా?ు ??ి?ు ?????ై?ే ?ా?్?ు?ు ?ే?్?ా?ు.

6. How to maintain a good credit score? ?ం?ి ?్?ె?ి?్ ?్?ో?్‌?ు ?ొ??ా?ిం??ా?ి?ి, ?ీ?ు ??్??్?ు?ూ ?ీ ?ి?్?ు??ు ??ా?ం?ో ?ె?్?ిం?ా?ి, ?ీ ?్?ె?ి?్ ?ా?్?్ ?్?ా?ె?్?్‌??ు ??్?ు??ా ?ం?ు?ో?ా?ి ??ి?ు ??????ై? ?్?ె?ి?్ ???ా?్?ు??ు ?ి?ా?ిం?ా?ి.

7. How to check my credit score using my PAN card? ?ీ?ు ?ీ ?ా?్ ?ా?్?్ ?ం??్‌?ు ???ో?ిం?ి ?్?ె?ి?్ ?్?ూ?ో ?ె?్‌?ై?్‌?ు ?ే?ా ??? ?్?ా?్‌?ా??్‌??ో ?ీ ?్?ె?ి?్ ?్?ో?్‌?ు ??ి?ీ ?ే???్?ు. ??ి ?ీ ?ు?్?ిం?ు?ు ?ృ?ీ??ిం??ా?ి?ి ?????ై? ?ు?్??ై? ?ి??ా??ో ???ి.

8. How to know which credit bureau my lender uses? ?ా?ా??ం?ా, ?ు?ం ?ే?ా ?్?ె?ి?్ ?ా?్?్ ?ో?ం ???ా?్?ు ?ే?ే ???ం?ో ?ు??ా? ?ా?ు ? ?్?ె?ి?్ ?్?ూ?ో?ు ???ో?ి?్?ు?్?ా?ో ?ె?ి??ే?్?ా?ు. ?ీ?ు ?ా?ి?ి ?ే?ు?ా ?ూ?ా ?????్?ు.

9. How to avoid scams related to credit score checks? ?ీ ?్??్?ి?? ?ే?ా ??్?ి? ??ా?ా?ా?్?ి ????ా?ి?ి ?ం?ే?ా?్???ై? ?ె?్‌?ై?్‌?ు ?ే?ా ??ె?ి?్‌??ు ??్???్?ు. ??్??్?ు?ూ ??ి?ా?ి? ??ి?ు ?ి?్???ీ? ?్?ా?్‌?ా??్‌??ు ?ా?్??ే ???ో?ిం?ం?ి. ??ి? ?్?ె?ి?్ ?్?ో?్‌? ?ే?ు?ో ??్?ు ??ి?ే ?ా?ి ??్? ?ా?్??్? ??ిం?ం?ి.

10. How to understand the impact of multiple credit applications on my score? ??్?ు? ?్???ి?ో ??ే? ?్?ె?ి?్ ???ా?్?ు?ు ?ీ ?్?ె?ి?్ ?్?ో?్‌?ై ?్??ి?ూ? ?్??ా?ం ?ూ?ు?ా?ి. ?్??ి ???ా?్?ు ?ీ ?్?ె?ి?్ ?ి?ే?ి??ై "hard inquiry"?ా ??ో?ు ?ే???ు?ుం?ి, ??ి ?ీ ?్?ో?్‌?ు ?ొ?్?ి?ా ??్?ిం????ు. ?ా??్?ి, ?ీ?ు ?ి?ం?ా ?????ై??్?ు?ు ?ా?్??ే ?్?ె?ి?్ ?ో?ం ???ా?్?ు ?ే?ు?ోం?ి.

?ీ ?్?ె?ి?్ ?్?ో?్‌?ు ?ె?ు?ు?ో??ం ?ీ ??్?ి? ??ో?్?ా?్?ి ?ి?్??ిం??ా?ి?ి ?? ?ు?్??ై? ??ు?ు. ?ై? ?ే?్?ొ?్? ????ు ??ు??ిం??ం ?్?ా?ా, ?ీ?ు ?ు??ం?ా ?ీ ?్?ో?్‌?ు ??ి?ీ ?ే???్?ు ??ి?ు ?ీ ?్?ె?ి?్ ??ి?్??్?ు?ు ?ె?ు?ు???ు?ో??్?ు. ?ీ?ు ?ం?ా ??ై?ా ?ం?ే?ా?ు ?ం?ే, ????ా?ి?ి ?ె?ు?ా??ం?ి!

Quick References
Title	Description
Credit score	individual. A credit score is primarily based on a credit...
Credit bureau	consumer reporting agency in the United States, a credit...
credit karma	how to view transactions credit karma
nerdwallet.com	https://www.nerdwallet.com/credit/credit-karma
wsj.com	https://www.wsj.com
consumerfinance.gov	https://www.consumerfinance.gov
reuters.com	https://www.reuters.com
fdic.gov	https://www.fdic.gov