Bajaj Finserv Credit Pass: Check your CIBIL Score every time it gets updated

Forget anxiously awaiting your free annual credit report for your CIBIL Score or juggling expensive recurring payments from memberships to credit information companies to keep tabs on your credit health. Now you can monitor your financial reputation in real-time and manage your creditworthiness for as little as Rs. 99 per year with the Credit Pass.

What is the Credit Pass?

Bajaj Finserv Credit Pass is an innovative, CIBIL-powered offering that grants you 24/7 access to your credit score. With the Credit Pass, you can micromanage your profile, spot errors quickly, and make financially empowering decisions to enhance your credit status. Choose one of the two subscription plans available. Register in a few easy steps to get your own unique 12-digit Credit Pass number. Say goodbye to credit score surprises and hello to credit readiness.

Credit Pass Subscription Plans

Choose the Credit Pass plan that best meets your credit monitoring requirements:

Choose from the 6-month plan or the 12-month plan. The premium Credit Pass packs in more features for long-term credit health management. Track your score effortlessly and simulate scenarios to make informed financing decisions.

Key Credit Pass Features

The Credit Pass enables you to be fully informed to be truly in control of your credit profile with these features:

Monthly CIBIL Score Updates: Get your updated CIBIL Score every month so you can review your credit standing and take timely action if needed. Frequent updates help you keep tabs on your financial reputation.

Personalised Credit Dashboard: Your personalised dashboard offers a comprehensive overview of all your credit card and loan accounts in one place. You no longer have to visit multiple platforms. Now, conveniently monitor all your credit accounts seamlessly from a user-friendly dashboard.

Real-Time Credit Health Report: Along with your score, check your full credit health report updated in real-time when there are any changes. Review added or closed accounts, loan statuses, and other information to get a holistic view.

Credit Factors Tracking: The dashboard shows a breakup of all the parameters that decide your credit score like total accounts, amount owed, payment history, credit utilisation, etc. Identify trouble areas at a glance, and pinpoint strengths to leverage and weaknesses to shore up.

Interactive Tools (premium plan only):

Credit Score Simulator: This “what-if” tool lets you simulate scenarios like taking a new loan and see the impact on your score beforehand. Estimate the results of potential financial decisions and make your choices confidently.

EMI Calculator: Figure out your Equated Monthly Instalment payments for any loan amount using this handy embedded tool for easier financial planning, even before you apply.

Why Credit Pass is a must-have

Empower your financial decision-making and secure your financial future with real-time insights from the Credit Pass. Here are some top reasons why it’s a must-have:

Financial Confidence Builder:

Know your credit score and report at all times to understand your financial standing and options better.

Feel financially empowered and in control with real-time data at your fingertips.

Boost Chances Of Loan/ Credit Card Approval:

Keep track of your score every month and take timely action to cross approval thresholds.

Improve your score systematically to successfully finance large purchases or assets.

Proactive Credit Management:

Identify dips in your score and determine causes for early intervention.

Use tools to assess the impact of intended financial decisions beforehand.

Adopt financial best practices to maintain a healthy credit profile.

Error Identification Assistance:

Frequently review your real-time credit health report to quickly catch any mistakes.

Initiate timely rectification which aids your score.

Ongoing Credit Mentoring:

Learn continuously about good credit health practices with insights through dashboards, reports, and tools.

Put the handy tips and tricks offered into practice to enhance your credit standing.

Register for Credit Pass

Sign up conveniently online in a few simple steps:

1. Visit the official Bajaj Finserv website and navigate to the dedicated Credit Pass page
2. Click on the ‘SUBSCRIBE’ button featured on the top of the page
3. Share your mobile phone number and wait to receive an OTP
4. Use the received OTP to complete the authentication process
5. Provide basic details like your name and PAN card number
6. Select the subscription plan that suits you and pay

Once this process is completed, then you can login and view your Credit Pass dashboard, check your score, and manage your credit profile effortlessly.

Managing money without up-to-date financial information is like driving blindfolded – disorienting and risky. With unlimited access to your updated CIBIL Score each month, it’s easier to navigate your credit health. With such enhanced visibility and insight, it’s easier to detect issues early and assess the impact of your decisions ahead of time, enabling you to respond quickly instead of dealing with negative surprises later. So, leave financial guesswork behind and let the Credit Pass guide you towards prudent money management and creditworthiness.