Hot Deal ALERT-Never Check Your CIBIL Score on 3rd Party Sites such as Paisabazaar,Bajajfinserv,Paytm read more in the Description

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Hello Everyone,

This is duly informed fellow dimers, that do not ever try to search your CIBIL, EXPERIAN or any other Credit Report Score on this kind of 3rd Party Platforms such as Paytm, Paisabazaar and any other websites apart from CIBIL, Experian and other Credit Agencies Official Websites!

*You should always go to their official websites to check your score, As per the “RBI Guidelines” Recent Norms you can Avail 1 Credit Report Free in a year, then you can use ONESCORE App. So, A Lot of People doesn’t know about it! Next time register yourself on these Credit Report agencies online portal/App because that’s what Genuine Method is,

Here’s the Scam, that you are not knowing, Many People get call/messages from these Agents of Banks/NBFC or Micro Finance Companies such as Dhani, India bulls, Lendingkart like Play store Apps. How do they know your information, its Because you have agreed to the terms and conditions of Paytm, Paisabazaar and third party websites that your data will be shared with Partners for Offering of any Loans/Credit Card

When you check your CIBIL Score on Paytm and Paisabazaar or any third party websites and when you enter your personal and financial information such as your Name, DOB, PINCODE, Mobile Number, Email ID and Most Importantly PAN Card, have you ever checked their Terms and Conditions, Read it what they have said is that we can fetch your Credit Information from these bureau’s but also shared with the potential Banks/NBFC and here is the Dangerous Part that this can cause Hard Entry to your CIBIL/Experian because you are allowing Paytm or Paisabazaar sites to share your information with Loan Granting Agencies such as Lendingkart. Dhani and any other banks or NBFC.

Whenever an Individual Checks their credit score it doesn’t hurt there score but when the banks fetch your score that’s called soft inquiry and that hurts your score, Remember your phone gets lots of Calls/Messages from these People like Take Loan/Credit Cards

When you ask for a Loan Banks/NBFC Fetch your score from CIBIL Database and Experian Database and Not these Third Party Agents!

Below is the Terms and Conditions of Paisabazaar:-

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from Cibil / Equifax / Experian / CRIF Highmark (bureau).
I hereby unconditionally consent to and instruct bureau to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.
By submitting this form, you hereby authorize Paisabazaar to do all of the following in connection with providing you the Services:
1.Verify your identity and share with our Credit bureaus required personal identifiable information about you;
2.Request and receive your Credit report, and credit score from our Credit bureaus, including but not limited to a copy of your consumer credit report and score, at any time for so long as you have not opted out or unsubscribed from this service;
3.Share your details with banking partners in order to assist you to rectify and remove negative observations from your credit information report and increase your chances of loan approval in the future;
4.To provide you with customized recommendations and personalized offers of the products and services of Paisabazaar and/or its business partners/ affiliates;
5.To send you information / personalized offers via email, text, call or online display or other means of delivery in Paisabazaar’s reasonable sole discretion.
6.Retain a copy of your credit information, along with the other information you have given us access to under this Authorization, for use in accordance with Credit Score Terms of Use, Terms of Use and Privacy Policy.

I am just sharing Paisabazaar T&C you can check others too! Your information is in your Hand, you decide you want to give it or keep it secure.

Suggestion:- OneScore App is there in the Play store which is of FPL Technologies, As per the terms and conditions they do not share your data and its ISO27001 Security Certified No Calls/ADS/SPAM. I Personally tried it prior to that when i was checking my score on Paisabazaar,used to get lot of calls/messages now No ONE has my Current INFO!

I am not promoting any app! Use at your knowledge

33 Comments  |  
20 Dimers
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Agree with you. Avoid these apps. Till now onescore app is safe.

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u can check 24*7 365 days for free on Cibil site ….. are u sure about this? Cibil charges 1080 Rs for annual subscription.. u can refresh the score daily..

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TheTeddy wrote:

u can check 24*7 365 days for free on Cibil site ….. are u sure about this? Cibil charges 1080 Rs for annual subscription.. u can refresh the score daily..

True, Then USE “ONESCORE” App from Play store No Permissions, NO ADS, No SPAM, No Calls also ISO Certified!

Already mentioned that CIBIL Gives free Report ONCE A year!

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Is cibil.com the official site

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Cibil gives free score only once a month

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F7-Dimer-Primer wrote:

Cibil gives free score only once a month

Once a year not month

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ashish0193 wrote:

Is cibil.com the official site

YES

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SastaRaju wrote:

Once a year not month

True, Then USEONESCORE” App from Play store No Permissions, NO ADS, No SPAM, No Calls also ISO Certified!

Already mentioned that CIBIL Gives free Report ONCE A year!

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Thanks for spreading the awareness but where in terms does it say it might lead to a hard enquiry as well?

Anyways, one has to understand that there are no free meals. If one gets the score for free then he/she foregoes privacy of data. It’s an obvious tradeoff.

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raghupro wrote:

Thanks for spreading the awareness but where in terms does it say it might lead to a hard enquiry as well?

Anyways, one has to understand that there are no free meals. If one gets the score for free then he/she foregoes privacy of data. It’s an obvious tradeoff.

Hard Inquiries are not made by those scammers, don’t you heard about Paisabazaar IDFC Credit Card, i meant those 3rd party agencies are partnering with banks and their agents not officials these guys call you and tell you that you have pre-approved credit card! Do you want to apply?It’s a Lifetime Free Credit Card and BLA…when you are not interested they can’t do it!

But,it happened last year after that they removed the card.

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OneScore uses user details (Name/DOB/PAN) to approve the CC Applications (OneCard*)
Not always a good thing.. especially when you announce a credit card w/o revealing tnc!

Its all business..
While FPL/OneScore uses our info to sell their own credit cards… companies like BB/PB, partner act as an intermediate source between customers and banks (Same thing…Selling CCs or loans to users)

That being said, never received spam calls from PB/BB/WF/Bajajfinserv in a while but whenever i tried to check the details of their (PB/BB) pre-approved credit cards (LTF/FYF/Paid).. they spammed me with calls for the next week or so ( The chances of getting spam calls from PayTm or Amazon are lesser compared to the above mentioned ones ) smile

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While paying rent on Nobroker, they ask to get access to our credit details. Can there be issues with this?

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Nobroker checks Experian score same with cred to use them then what to do

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I recently checked from Amazon for the first time.
I was sceptical of Paytm to check my CIBIL.
All I knew was PB is worst in terms of ‘Free’ product

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getready wrote:

OneScore uses user details (Name/DOB/PAN) to approve the CC Applications (OneCard*)
Not always a good thing.. especially when you announce a credit card w/o revealing tnc!

Its all business..
While FPL/OneScore uses our info to sell their own credit cards… companies like BB/PB, partner act as an intermediate source between customers and banks (Same thing…Selling CCs or loans to users)

That being said, never received spam calls from PB/BB/WF/Bajajfinserv in a while but whenever i tried to check the details of their (PB/BB) pre-approved credit cards (LTF/FYF/Paid).. they spammed me with calls for the next week or so ( The chances of getting spam calls from PayTm or Amazon are lesser compared to the above mentioned ones ) smile

Buddy, I am not talking about their credit card business, that is totally different not every onescore user always go for OneScore Credit Card, It’s Optional and when you apply it, it takes your data to proceed with your application because you wanted to have that card, not like paisabazaar and paytm.

Paisabazaar and Paytm on other hand,if you check there credit score they directly send your data to loan/credit card agencies!while normal people thinks that they are only checking credit score but OneScore doesnt do this,unless and until you apply for it!

Bro,Its your call! I am spreading awareness because I am from Finance Background and OneScore App has Certified ISO License and if you think thats easy then try and search how it gets that,also it doesnt ask for your phone permission just credit score/no ads/no calls/no spam.

ONESCORE- Ratings tells that its a good app,its a startup today they are not making money in future they might change there policy but as of now the policy is in our favour.

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_One_Miller_ wrote:

See @MrKool_JJ you are sold.

@Wander-lust , @shraaj ko bhi shamil kar diya gang me.

@shraaj , heart = hurt ? (In your thread).

Bro, i dont what you are talking about?

I have rectified the spelling mistake, but as you are telling me that i am sold!

Its not Referral Kind of Scheme,If in Industry thats a good option then it it!

Also,i am not urging everyone to use it!

Next time,if someone is doing good thing,do not judge them!

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shraaj wrote:

Buddy, I am not talking about their credit card business, that is totally different not every onescore user always go for OneScore Credit Card, It’s Optional and when you apply it, it takes your data to proceed with your application because you wanted to have that card, not like paisabazaar and paytm.

Paisabazaar and Paytm on other hand,if you check there credit score they directly send your data to loan/credit card agencies!while normal people thinks that they are only checking credit score but OneScore doesnt do this,unless and until you apply for it!

Bro,Its your call! I am spreading awareness because I am from Finance Background and OneScore App has Certified ISO License and if you think thats easy then try and search how it gets that,also it doesnt ask for your phone permission just credit score/no ads/no calls/no spam.

ONESCORE- Ratings tells that its a good app,its a startup today they are not making money in future they might change there policy but as of now the policy is in our favour.

The business strategy varies from one company to another .. that’s what i meant there..

Bank Bazaar, Paisa Bazaar are the marketplaces for credit cards & home loans.. they aren’t there just to provide “Free” credit scores to users.
You check your score and based it, they suggest you home loans or credit card offers. If you click on them to check more details or if you try to check the eligibility yourself .. they will spam you with offers for days/weeks (My Experience like i mentioned above). And they do retain the data because they also offer LTF Pre-Approved Cards for select users based on it

On the other hand.. OneScore App happened because they wanted to use this platform to promote their credit card (Which they did via invite system) but i agree.. its a better option considering that the app doesn’t require call/sms permissions

That being said… With this thread of yours, you’re actually helping OneScore indirectly?
More people use OneScore >> More People might apply for their OneCard CC ( No one here knew about OneScore before FPL announced their all new metal card with a fake/hideous reward system )

They (OneScore*) don’t have to share the details with other banks.. they will use it to offer you their own credit card (of course applying/not applying solely depends on the user). The only advantage here is that your data will be just limited to one entity while PB/BB might share the same with multiple banks (Less spam too?)
BajajFinserv portal is similar to OneScore.. You check your score >> BajajFinserv is going to use your data to suggest loans/credit cards (Never clicked “Apply Button”.. no Spam calls till date).. but the portal is no longer free

+ There is no evidence (or tnc) that PayTm also shares the user/credit information with banks (like BB/BB). You can use PayTM, Amazon + Few Banks too offer it for free (like HDFC) & Of course there is CIBIL portal to check the score for free every month ( Score change happens only once per month so there’s no use to checking it via multiple portals)

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shraaj wrote:

Bro, i dont what you are talking about?

I have rectified the spelling mistake, but as you are telling me that i am sold!

Its not Referral Kind of Scheme,If in Industry thats a good option then it it!

Also,i am not urging everyone to use it!

Next time,if someone is doing good thing,do not judge them!

@MrKool_JJ is sold.
Don’t know about you, are you ?

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_One_Miller_ wrote:

@MrKool_JJ is sold.
Don’t know about you, are you ?

Rashmika chill rolleyes

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_One_Miller_ wrote:

@MrKool_JJ is sold.
Don’t know about you, are you ?

I am just posting on desidime for 2nd time I guess! I never posted it,but I was a user since last 3 years joy

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getready wrote:

The business strategy varies from one company to another .. that’s what i meant there..

Bank Bazaar, Paisa Bazaar are the marketplaces for credit cards & home loans.. they aren’t there just to provide “Free” credit scores to users.
You check your score and based it, they suggest you home loans or credit card offers. If you click on them to check more details or if you try to check the eligibility yourself .. they will spam you with offers for days/weeks (My Experience like i mentioned above). And they do retain the data because they also offer LTF Pre-Approved Cards for select users based on it

On the other hand.. OneScore App happened because they wanted to use this platform to promote their credit card (Which they did via invite system) but i agree.. its a better option considering that the app doesn’t require call/sms permissions

That being said… With this thread of yours, you’re actually helping OneScore indirectly?
More people use OneScore >> More People might apply for their OneCard CC ( No one here knew about OneScore before FPL announced their all new metal card with a fake/hideous reward system )

They (OneScore*) don’t have to share the details with other banks.. they will use it to offer you their own credit card (of course applying/not applying solely depends on the user). The only advantage here is that your data will be just limited to one entity while PB/BB might share the same with multiple banks (Less spam too?)
BajajFinserv portal is similar to OneScore.. You check your score >> BajajFinserv is going to use your data to suggest loans/credit cards (Never clicked “Apply Button”.. no Spam calls till date).. but the portal is no longer free

+ There is no evidence (or tnc) that PayTm also shares the user/credit information with banks (like BB/BB). You can use PayTM, Amazon + Few Banks too offer it for free (like HDFC) & Of course there is CIBIL portal to check the score for free every month ( Score change happens only once per month so there’s no use to checking it via multiple portals)

Even,I couldn’t find Terms and Conditions about Paytm! But these, Paisabazaar and BajajFinserv Portal uses there Platform to Offer You Loan, whether you click it or not! I am not sure about BajajFinserv But,as I mentioned on my Post ,I have already highlighted there terms and conditions even when you check your credit score they send your data to agencies to offer you loan/cards.

I think You are right about OneScore Credit Card,but they are having system of Invite Basis,so till now I have registered myself on there Platform and they never call/Message me to use there card! I mean I am happy here! Few months back,I contacted Paisabazaar and told them to delete my data from There system and it took 10 working days and now no calls/spam

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shraaj wrote:

I am just posting on desidime for 2nd time I guess! I never posted it,but I was a user since last 3 years joy

Ok. When you joined @Wander-lust ’s gang ?

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_One_Miller_ wrote:

Ok. When you joined @Wander-lust ’s gang ?

Kahe Bache ki le rahe ho. Uske Uper se ja raha sabkuchh laughing

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TheTeddy wrote:

u can check 24*7 365 days for free on Cibil site ….. are u sure about this? Cibil charges 1080 Rs for annual subscription.. u can refresh the score daily..

One query per year is free of charge – RBI regulations.
You can make the query any time during 365 days.

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