Soft inquiry — zero CIBIL impact

Know Your Credit Score. Free, Instant, Safe.

Get your CIBIL score in minutes with a soft check. We pull your report without filing a loan application — so lenders never see an inquiry on your record.

Get My Free Score

No credit card required. No loan application. 100% free.

750
Example CIBIL Score
300900

Soft Check vs Hard Check

Not all credit inquiries are the same. Here's why OSC uses only soft checks.

Soft Check (What OSC Does)

  • Used for eligibility checks and score viewing
  • Does not appear on your credit report to lenders
  • Does not lower your CIBIL score
  • You can check as often as you need
  • Safe for pre-qualification before applying

Hard Check (What to Avoid)

  • Triggered when you formally apply for a loan or card
  • Visible to all lenders on your credit report
  • Can reduce your score by 5–15 points per inquiry
  • Multiple hard checks in short period signal risk
  • Often happens when applying to many banks directly

OSC Promise: We only run soft checks until you choose to apply to a specific lender. Your score stays protected.

Understanding Your Score Range

CIBIL scores range from 300 to 900. Here's what each band means for your loan eligibility.

300 550 650 700 750 900

Poor — Below 550

Most lenders will decline applications. Focus on score improvement before applying. NBFCs may offer limited options at higher rates.

Fair — 550 to 649

Some NBFCs and fintech lenders may approve, but rates will be higher. Personal loans up to ₹3–5L possible with strong income proof.

Average — 650 to 699

Eligible for most personal and business loans. Rates typically 12–16% p.a. Banks may require additional documentation.

Good — 700 to 749

Strong approval odds across banks and NBFCs. Competitive rates from 10.5–13% p.a. Pre-approved offers likely available.

Excellent — 750 to 900

Best rates and fastest approvals. Access to premium cards, lowest home loan rates, and highest loan amounts. Lenders compete for you.

What Affects Your Credit Score

CIBIL calculates your score from five factors. Understanding these helps you improve faster.

Payment History
35%

On-time EMI and credit card payments. Even one missed payment can drop your score significantly.

Credit Utilisation
30%

How much of your available credit limit you're using. Keep utilisation below 30% for best results.

Credit Age
15%

Length of your credit history. Older accounts in good standing boost your score over time.

Credit Mix
10%

Variety of credit types — home loan, personal loan, credit card. A healthy mix shows responsible borrowing.

Recent Inquiries
10%

Number of hard inquiries in the last 6 months. Too many applications signal credit hunger to lenders.

Score Improvement Tips

Small changes can move your score 50–100 points in 3–6 months. Start with these.

Never Miss a Due Date

Set up auto-debit for all EMIs and credit card bills. Payment history is the single biggest factor — one late payment can cost 50+ points.

Lower Credit Utilisation

Keep credit card usage below 30% of your limit. If your limit is ₹1L, try to keep outstanding below ₹30,000 at statement date.

Don't Close Old Accounts

Older credit accounts add to your credit age. Keep your longest-standing card active with occasional small purchases.

Limit Hard Inquiries

Apply to one lender at a time, not five. Use OSC's soft-check matching to find the right lender before filing any application.

Dispute Errors Early

Check your report for wrong accounts, settled loans still showing active, or duplicate entries. Raise disputes with CIBIL directly.

Use a Secured Card

If you have no credit history or a low score, a secured credit card against FD builds positive payment history within 6 months.

Get Your Free Credit Score Now

Enter your details below. We'll run a soft check and send your CIBIL score along with a personalised loan eligibility summary.

  • Soft inquiry — no score impact
  • Results within 2 minutes
  • Free eligibility match from 50+ lenders
  • No spam — we only contact you about your application

Running your soft check…

Verifying your details…

300
—
Indicative sample · CIBIL range 300–900

Your eligibility snapshot

Indicative max personal loan—
Likely interest rate—
Approval odds—
See matched loan offers Get report on WhatsApp

This is an indicative demo estimate that shows how your snapshot will look. Your actual CIBIL score and verified eligibility are confirmed after our team completes the soft check — with zero impact on your score.

What Happens Next

Three simple steps from score check to loan approval.

1

We Run a Soft Check

Using your PAN and mobile, we pull your CIBIL report via a soft inquiry. Lenders won't see this on your record.

2

You Get Your Score + Report

Receive your CIBIL score, key factors affecting it, and a summary of active loans and credit cards on your profile.

3

Matched to the Right Lender

If you're looking for a loan, we match you to the lender most likely to approve you — before any hard inquiry is filed.

Frequently Asked Questions

No. OSC uses only soft inquiries for score checks and eligibility screening. Soft inquiries are not visible to lenders and do not affect your CIBIL score. A hard inquiry only happens when you formally apply to a specific lender — and we always ask for your consent first.
In most cases, your score is available within 2 minutes after submitting your details. You'll receive it via SMS and email. If there's a mismatch in your PAN or mobile records, our advisor may call to verify — this typically takes under 30 minutes.
Yes, it's completely free. OSC earns a commission from lenders only when a loan is successfully disbursed — not from score checks. There's no hidden fee, no credit card required, and no obligation to apply for a loan after checking your score.
If you have no credit history, your report may show "NH" (No History). We can guide you on building credit with a secured card or small loan. If your score is below 650, we'll honestly tell you which lenders may still approve and share a personalised improvement plan — no false promises.
We primarily pull from CIBIL (TransUnion), which is the most widely used bureau by Indian banks and NBFCs. Your CIBIL score is what most lenders check during loan approval. We can also access Experian and Equifax reports on request.
Yes. Your data is encrypted in transit and at rest. We are registered with CIBIL as an authorised access entity. We never sell your data to third parties. Your information is used only for credit assessment and loan matching, as described in our Privacy Policy.