As you know, nowadays how much a credit score and credit report play an important role to get approval for a loan or credit card from any lending institute. Because a credit report contains comprehensive information which presents a borrower’s creditworthiness. In recent times, the CRIF Highmark credit report is also commonly used by banks. So, you should check a free CRIF Highmark credit report before applying for a loan.
If there is any delinquency present in your CRIF Highmark (CHM) credit report, then your loan or credit card application may reject. So, you should be aware of whether your all credit information is correct & up to date or not. As per the RBI guideline, you can get an annual full credit report for free from the CRIF Highmark website online.
Steps to get free CRIF Highmark credit report:
Here, we try to describe the process step by step through which you can get a free CRIF Highmark credit report. Be noted, here we used hided few confidential information for security reasons.
- First you need to visit CRIF Highmark Official website: https://www.crifhighmark.com/
2. Scroll down the page where you can visit the option “Get your Free CRIF Highmark Credit report today” as shown in the picture above. Click on the “Get your score now” button.
3. Then a form will be open in front of you as in the picture below. You need to fill the form carefully with your personal details like Name, PAN Card Number, Mobile number & Email Id. Then accept the Term & Conditions and click on the “GET MY CREDIT SCORE” button.
4. Then a 6-digit OTP will send your Mobile number for verification. Put that OTP in the box and then click on “VERIFY”. Try to use your that Mobile number & Email ID which one is linked to your most of the loan accounts for a quick verification.
5. After that, a new page will be open to you, where mentioned “Confirm Your Identity” as shown in the picture below. There can be asked any question related to your KYC, Previous Loan & credit card accounts which are mentioned in your CRIF Highmark credit report. You must be answered the question correctly; then only you get access to your CRIF dashboard.
6. After successful verification, your can login to your CRIF Highmark Dashboard. Here you show your CRIF Highmark credit score, the total number of your loan accounts, and how many among them are active, closed & delinquent.
7. To get a free CRIF Highmark credit report you need to go the “My Report” section, where you can find your latest report. Click on the download icon.
8. After that, your credit report will be downloaded in PDF format. But the report will be password protected. The password format is a combination of the first four letters of your name; in lower case and the last 4-digits of your Mobile number.
For example, if your name is Goutam Saha & your phone number is 9900123456; then your CRIF credit report password will be “gout3456”.
Here it is all about the process by following this you can able to log in to CRIF portal and get a free CRIF Highmark credit report and score. Now, read you the report carefully and identify the problem and raise a dispute to rectify it.
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