Power of Choice
BCB puts the power in your hands build your credit,
boost your score, unlock better financial choices.
Happy Clients
Real Stories, Real Credit Transformations.
From Struggles to Stability
Client Experiences

Deepak Kumar Sahoo
A good credit score has changed my ability to access credit.
I now have unsecured cards from Kotak bank.
I also got a low interest cost on my auto loan from Mahindra finance. Thanks to Bharat Credit builder for helping me in building my credit score.

Gondesh Reddy
A good credit score is key to securing loans at favourable rates. With a score of 800, I can access better loan options, including a 3-5L business loan at competitive interest rates. My improved score already allows for higher loan amounts, and further optimization can lead to even more benefits.

Sachin Kumar Panda
With a stable salary, my goal was to achieve a 750+ CIBIL score to secure a home loan. Improving my credit score was crucial, and BCB’s support played a significant role in helping me reach this milestone.

Kuntal Dhara
I’m grateful for the opportunity to build my credit score with small credit builder loans. A good CIBIL score has been instrumental in securing quick loan approvals, and I appreciate the support in achieving this financial milestone. Thanks to Bharat Credit Builder!
Our Services
What we’re good at?
Bharat Credit Builder gets you Power of Choice. We guide in building your Credit Profile/Score, so that you have the power to choose the best Financial Products.
Credit Score
Enhancement
BCB provides guidance and tools to help users build and maintain a strong credit score, unlocking their financial potential.
Credit Dispute
Resolution
The platform empowers users with tools to correct errors on their credit reports, ensuring they receive the credit score they deserve.
Credit Builder
Loans
Tailored loan products are available to help users establish a positive credit history and access affordable loan options.
Negative Account
Removal
BCB offers effective credit repair solutions to eliminate negative items from credit reports, improving overall credit standing.
Blog
Insights & Analysis

Accessible & Inclusive
We offer a credit-building solution for everyone—removing barriers like income limits and paperwork to make it accessible.

Transparent Credit Builder Loans
Our credit builder loan holds funds securely. Make payments, and upon full repayment, your money and positive credit history.

Education & Support
We empower you with educational tools, personalized credit guidance, on improving your CIBIL score.and regular updates.
Ready to Elevate Your Financial Freedom?
Explore Our Range of Tailored Services and Take the First Step Towards Financial Freedom Today!
“A good credit score has changed my ability to access credit. I now have unsecured cards from Kotak bank. I also got a low interest cost on my auto loan from Mahindra finance. Thanks to Bharat Credit builder for helping me in building my credit score.”
Vaishant Johnson
Investor
F.A.Q.
Find answers to commonly asked questions about our services.
A Credit Score is a number computed by an approved credit rating agency and it provides a hint of the credit worthiness of an individual. The three-digit credit score plays an important role in getting you the credit you want at better rates. Credit score in India is provided four credit bureaus namely, Equifax, Experian™, CIBIL™ and CRIF Highmark™ which ranges between 300 to 900.
An individual’s Credit Score provides a credit institution with an indication of the “probability of default” of the individual, based on their credit history. A Credit Score tells a lender / credit institution (typically banks or NBFCs) how likely you are to pay back a loan based on your past pattern of credit usage and loan repayment behaviour.
CIBIL™ is one of the four authorized credit bureaus or Credit Information Companies (CICs) in India, the others being Equifax, CRIF High Mark and Experian which provide a credit score through their Credit Information Report (CIR).
Credit score is a tool for lenders to check the borrower’s credit worthiness and capacity to repay loans. If you have a good credit score and history lenders will typically approve your loan and credit card applications. The credit score is calculated by each bureau based on the information provided to them by lenders.
Your credit score is a 3-digit number and ranges between 300 and 900. If you have a credit score more than 750, it means that you have a good credit score. In this case, there will be many lenders who will be willing to lend to you.
As per TransUnion CIBIL, the Indian CreditVision® Risk Score has been categorized as under:
Subprime
300-680
Near prime
681-730
Prime
731-770
Prime Plus
771-790
Super Prime
791-900
The percentage wise Credit Score distribution in India, as provided in TransUnion CIBIL CMI Report (Second Edition, March 2022) is provided here under. We can see from the data here under that more than half (>50%) of consumers have a CIBIL score of less than 750.
Your credit score is basically your reputation around how you handle money. If you have a good reputation, it can be a powerful tool to help you improve your lifestyle by allowing you to buy things you might otherwise have to save for years to buy or pay for say a bike, car, home, vacation, etc. Now a days, credit score is also required in connection with Employment Screenings, Home or apartment rentals, Mobile Postpaid limits, etc.
In India, the credit score of individuals is the provided by four Credit Information Companies (CICs) – Equifax™, CIBIL™, Experian™ and CRIF High Mark™. From lenders they collect the data of individuals who have taken any of credit compiling them in the form of a credit report based on which they calculate the credit score using their own proprietary algorithm.
All of us fall into one of three categories when it comes to Credit Score – Good, Bad or No Score. The table mentioned here under will provide you an idea with regard to the importance of Credit Score and its benefits.
Good Score
Bad Score
No Score
Range
750 and above
Below 750
No credit activities reported
Interest rate on loans
Low
High
Average, fixed based on income and employer
Loan approval rate
High
Low
Depends on the policies of the lender
Payment history
Good
Poor (Late payments and defaults)
No history
Credit utilization ratio
Excellent
Poor
No records found
One is required to generally provide the following information for checking Credit Score:
Name: The name should be your original name which is recorded in your PAN and other official copies such as Voter ID, Passport, Birth Certificate, etc.
Date of Birth: The date of birth is mandatory to check your free credit score. This should match with the birth detail on your PAN and other official records.
PAN: This is the most important proof that is required to fetch your credit score from the bureau.
Gender: You may have to mention which gender you belong.
Mobile Number: You need to mention your mobile in order to verify your profile. An OTP will be sent to your mobile for verification.
Employment Details: Information such as your employer, monthly salary and type of employment may be required to get your credit score.
PIN Code: You need to enter the PIN code of the locality where you stay permanently.
Checking your credit score frequently helps you make smart financial decisions. Based on the score and your other financial information, you may approach a bank to apply for a loan or credit card and bargain for better terms. Even a small reduction in the interest rate of big-ticket loans can save you a lot of money in the long run.
One may check his/her own credit score for free through one of the following:
Credit Bureaus: As per RBI mandate, each credit bureau should give your credit report and score for free once a year. You can check it online at their official website or by mailing them.
Third-Party Financial Portals: Third party financial sites provide credit score for free round the year. You can check it anytime from anywhere and it’s completely free. Checking your credit score does not hurt it, and you can check it for any number of times.
Banks: These days some of the banks also provide credit score. Some lenders charge a fee while some provide it for free.