Three years of credit APIs.
Now built for everyday people — same rails, clearer language.
We started in 2023 building bureau ingestion APIs for institutional clients across India.
Underwriters had multi-bureau visibility. Consumers often had one score, jargon, and spam calls.
CheckCIBILScore.in inverts that. Soft-pull access across four RBI CICs, discrepancy flags, and encrypted controls — without selling your number.
What we will not bend.
Architecture, AI, and privacy — the non-negotiables.
Source truth
We never alter bureau scores. You see what the CIC recorded — with the reporting date.
Evidence-grounded AI
Explanations in EN · हिंदी · ગુજરાતી stay tied to trade lines — no boost promises.
No data sale
Independent platform — not a loan broker. We never sell your number to telemarketers.
Multi-bureau neutrality
No exclusive affiliation. You deserve the same four-bureau view lenders can use.
How a soft pull works.
Consent, parallel query, normalize, private session.
OTP consent
PAN + mobile OTP under CICRA soft-enquiry rules.
Parallel pull
Encrypted requests to all four RBI-licensed CICs.
Normalize
Align DPD strings, balances, and enquiry histories.
Private session
Decrypt in your session — no spam, no score impact.
Building for clarity.
From enterprise plumbing to a calmer consumer experience.
B2B bureau APIs
Institutional ingestion rails for banks and NBFCs.
Multi-bureau engine
Normalization across CIBIL, CRIF, Experian, Equifax.
AI coach
Report-grounded explanations in three languages.
Public launch
Consumer and organization workspaces.
Ready for a clearer credit journey?
From institutional bureau APIs to a simpler consumer experience.
