Four clear steps.
From soft-pull verification to a ranked checklist — without sales calls or score impact.
Verify identity
PAN + mobile OTP. Self-checks are soft pulls — they do not lower your score.
- RBI CIC soft enquiry
- OTP on registered mobile
- Encrypted identifiers
Know the difference.
Self-checks are safe. Lender applications are not the same thing.
Soft enquiry
You checking your own report here.
- Private to you
- Unlimited self-checks
- No spam from us
Hard enquiry
A bank or NBFC reviewing a loan or card application.
- Visible to future lenders
- Too many looks hungry
- Stays ~24 months
What you need — and what we never ask.
Simple verification. No card numbers, netbanking passwords, or spam.
To start
- PAN
To query official bureau files.
- Registered mobile
For OTP authentication.
- Name & date of birth
To match demographic records.
We never ask for
- Card CVV or expiry
Not needed to check your score.
- Netbanking / UPI PINs
We never request those.
- Permission to spam you
We don’t sell your number.
Institutional rails.
Everyday clarity.
Years of bureau API work for B2B clients — same encryption habits and multi-bureau normalization, now for individuals.
No. Self-checks here are soft pulls under RBI CIC rules — zero score impact on CIBIL, CRIF, Experian, and Equifax.
Usually under 60 seconds once PAN and mobile OTP are verified. Multi-bureau pulls run in parallel.
No. We never sell or rent your number. Checking your score here does not trigger lender outreach.
Each bureau uses its own model and receives lender updates on different dates — so a 10–40 point gap is normal.
We highlight mismatches and help you draft a dispute for the right bureau or lender, with the fields they typically need.
Ready to see your four-bureau picture?
Soft-pull access across CIBIL, CRIF, Experian, and Equifax — with zero score impact.
