TL;DR: CIBIL provides one free credit report per year directly through cibil.com — use this rather than a paid third-party app to check your official record.
How to Check Your CIBIL Score for Fraudulent Accounts — a clear, step-by-step guide to what to do and how long it takes.
Step 1: Get your free annual CIBIL report
CIBIL provides one free credit report per year directly through cibil.com — use this rather than a paid third-party app to check your official record.
Step 2: Review all listed accounts and loans carefully
Go through every account, loan, and credit card listed on your report and check that you recognize each one — an account you never opened is a red flag for identity fraud.
Step 3: Check your credit inquiries
Look at the list of entities that have pulled your credit report — unfamiliar inquiries can indicate someone attempted to open credit in your name even if they weren't fully successful.
Step 4: Dispute anything unfamiliar directly with CIBIL
If you spot an account or inquiry you don't recognize, raise a dispute through CIBIL's online dispute resolution process, and consider also filing a report via 1930 if you suspect identity fraud.
If this looks similar to something else you've seen, it's worth reading How to Check If Your Aadhaar Was Misused.
This pattern shows up elsewhere too — see How to File a Complaint on the 1930 Cybercrime Helpline.
Frequently Asked Questions
Step 1: Get your free annual CIBIL report
CIBIL provides one free credit report per year directly through cibil.com — use this rather than a paid third-party app to check your official record.
Step 2: Review all listed accounts and loans carefully
Go through every account, loan, and credit card listed on your report and check that you recognize each one — an account you never opened is a red flag for identity fraud.
Step 3: Check your credit inquiries
Look at the list of entities that have pulled your credit report — unfamiliar inquiries can indicate someone attempted to open credit in your name even if they weren't fully successful.
Step 4: Dispute anything unfamiliar directly with CIBIL
If you spot an account or inquiry you don't recognize, raise a dispute through CIBIL's online dispute resolution process, and consider also filing a report via 1930 if you suspect identity fraud.