Check your CIBIL score in the True Balance app before you apply for a loan. It is a soft check, and as per TransUnion CIBIL, soft enquiries are not used to calculate your score.
Soft check. No score impact*
Shown on the usual CIBIL 300–900 scale, as on your report
See what may be affecting it: active accounts, recent enquiries, overdue payments, and card usage
*As per TransUnion CIBIL, soft enquiries are not used to calculate your score. When you give consent in the app, True Balance uses a soft pull to retrieve the CIBIL score from your credit report and show it to you.
Check CIBIL Score
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Users love us - Rated 4.6 on Google PlayNo. The in-app check is a soft enquiry. As per TransUnion CIBIL, soft enquiries are not used to calculate your score. Applying for credit is different, because the lender runs an enquiry on your report.
Check score or open Credit Insights in True Balance
On your scoreNo score impact. As per TransUnion CIBIL, soft enquiries are not used to calculate your score.
Apply for a Cash Loan or other credit
On your scoreMay appear on your report. Many applications in a short time can matter.
If you only want the number, use the in-app check. If you are ready to apply, go to Cash Loan and expect a lender enquiry.
Download True Balance.Get the app from Google Play or the App Store.
Sign in with your mobile number.Use the number you registered with True Balance. An OTP confirms it is you.
Open Credit Insights from the home screen.This is where your score, score history, and report details live.
Give your consent for the credit check.It is a soft check. As per TransUnion CIBIL, soft enquiries are not used to calculate your score.
See your score.For the reasons behind it, stay in Credit Insights. To ask about your report, open AI Credit Chat.
Your report is read only after you give consent in the app.
There is no score that guarantees a personal loan. A score of 750 or above can help, but lenders look at more than one number.
This does not mean you are “bad”. It means there is not much credit history yet.
What to doChecking again will not create history. Build it over time by repaying eligible credit on time.
Late payments or high card use may be pulling it down.
What to doCheck which factors are affecting it in Credit Insights.
You may still be declined. The score is one input.
What to doInstead of checking again, see the factors in Credit Insights or ask AI Credit Chat: “Why was my loan rejected?”
The score is not the only thing you see. CIBIL Report Insights in the app shows your latest score and score history, then highlights the parts of your report worth checking.
Too many open loans or cards can affect your score.
Several recent loan applications can reduce it.
A missed or late payment can stay on your report.
See how your repayment record and card use compare.
The comparison table places your profile beside users with an 800+ score. It is there to help you understand your report, not to promise that matching a number will get you a loan or raise your score by a set amount.
The official bureau offers a free score check too. Some apps ask you to download the app before showing the number.
On True Balance, there is no separate bureau fee to check your score in the app. That is what “free” means here. We are not the official CIBIL website, and we do not promise a downloadable bureau PDF.
A loan, if you take one later, has interest and fees in the Key Fact Statement, not on this page.
A score and a loan offerCheck the amount, tenure, and Key Fact Statement. Apply only if you need the loan.
A score but no offerOpen Credit Insights, then AI Credit Chat. Avoid applying to several lenders on the same day.
No historyChecking again will not create history. Build it over time by repaying eligible credit on time.
A score that looks wrongRaise it through the bureau dispute process. AI Credit Chat can explain a report entry, but cannot file a dispute for you.
The score is the starting point. These help you read it and act on it.
Indicative loan ranges by lender type, plus your approval chance for an amount you choose.
Know MoreAsk why a loan was rejected or how much you may be eligible for, based on your own report.
Know MoreReady to apply? A personal loan from True Credits or a lending partner, fully digital.
Know MoreCheck eligibility for partner-bank cards without affecting your score, then apply online.
Know MoreWant the basics first? Read the credit score basics in our Help Center.
This page is general information. It is not an official CIBIL product, not a credit facility, and not a promise of approval. CIBIL® is a registered trademark of TransUnion CIBIL Limited. True Balance is a platform; loans are from True Credits Private Limited or other RBI-registered partners. RBI does not approve apps or guarantee marketing claims.