As per the RBI circular of 2017, you are entitled to get one free credit report every calendar year from each credit bureaus in India. CRIF HighMark is one of the four credit bureaus in India. This article will focus on creating a new account and getting your yearly free credit report.

  1. Visit the official website of CRIF HighMark
    https://www.crifhighmark.com/your-credit-score
  2. In the next screen, click on “Get Your Score Now”
  3. Register

After registering, follow the below steps:

  • Enter Personal Details

    • Full Name
    • DOB
    • Email ID
    • Mobile Number
    • Gender
    • Father’s Name or Spouse Name

  • Identification

    • PAN or UID necessary
    • Rest optional
  • Communication
    • Address
    • CAPTCHA
    • Review Terms of Use and Click Submit

  • Choose free report

  • Click “No Thanks, Take me to my FREE report “ below the Upgrade me button.

You will receive a confirmation email with your username and password and activation link. Click on activation link to activate account. Login and change your password.

Once your credit report is ready (It usually takes a day or two in case of CRIF Highmark), you will receive an email on your registered Email ID containing authentication link. Go to the link and answer questions related to your credit report. The questions include last digits of credit card number, credit card account number, load account number, etc. After successfully answering the questions, you will receive another mail stating that you will receive your credit report within 7 working days.

I received my credit report a couple of days later.