Question 1

Is checking my credit score on ZapCash really free?

Accepted Answer

Yes. There is no charge and no card required. You get your CRIF High Mark score and full report at no cost.

Question 2

Will checking my score affect it?

Accepted Answer

No. This is a soft enquiry, a consumer-initiated check that is not visible to lenders and has no effect on your score.

Question 3

Why is the score here different from my CIBIL score?

Accepted Answer

This page shows your CRIF High Mark score. Different bureaus use different scoring models, and not every lender reports to every bureau. A gap of 30 to 50 points is normal and does not mean either score is inaccurate.

Question 4

How often does my credit score update?

Accepted Answer

Since 1 July 2026, lenders report to credit bureaus four times a month on the 9th, 16th, 23rd and the last day, with a full file submission by the 5th of the following month.

Question 5

What is a good credit score in India?

Accepted Answer

750 and above is generally treated as strong. 700 to 749 is good. Below 650, lenders examine the rest of your profile more closely.

Question 6

Can I check my credit score with only an Aadhaar card?

Accepted Answer

No. A PAN is required. Credit bureaus use PAN as the primary identifier for consumer credit records.

Question 7

What does NA or NH mean on my credit report?

Accepted Answer

It means there is no credit history to score, either because you have never borrowed or because there has been no reportable activity in the last 24 months. It is not a negative mark.

Question 8

How do I fix a mistake on my credit report?

Accepted Answer

Raise a dispute with the bureau that issued the report. The bureau is required to investigate with the lender that submitted the data and correct anything found to be incorrect.

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