Understanding how your actions affect your credit score is key to financial health. A CIBIL Subscription offer can go a long way in making a paid CIBIL Membership more accessible. However, the recurring costs can add up and become overwhelming over time. That’s where a CIBIL Score subscription like the Credit Pass can help.

The Credit Pass is a powerful, first-of-its-kind subscription service by Bajaj Finserv CIBIL, it’s available in two subscription variants:

  • Standard Plan: Priced at Rs. 59 for 6 months
  • Premium Plan: Priced at Rs. 99 for 12 months

Both these plans equip you with useful tools and resources to take control of your credit health and build your creditworthiness. Whether you’re inexperienced with credit or a season veteran, these Credit Pass features will always hold you in good stead:

  • Monthly CIBIL Score Check: Monitor your latest CIBIL Score monthly to track credit health. These checks have no negative impact on your score whatsoever.
  • Personalised Dashboard: Get a consolidated view of all your loan and credit card accounts in one real-time dashboard. It also provides you with handy tips to enhance your score.
  • Credit Score Factors: Closely monitor the factors that impact your score to focus improvements, whether it’s your credit utilisation trends or your recent enquiries.
  • Credit Health Report: Get detailed, real-time insights into your credit history and repayment behaviour to better comprehend your credit standing.

The Premium plan also equips you with the predictive Credit Score Simulator tool.

What is Credit Score Simulator

 The Credit Score Simulator is a tool within the Premium plan of Bajaj Finserv Credit Pass. It estimates how hypothetical scenarios or financial decisions could change your CIBIL Score.

How Credit Score Simulator works

 This interactive tool lets you input different credit situations like taking a loan, making timely repayments, reducing balances, etc. Based on your inputs, it provides a forecast of how your credit score may be impacted.

 What Are Its Features

 Let’s explore the key features of the Credit Score Simulator tool offered by your Premium Credit Pass plan:

  • Assesses potential impact of loans or cards on your score.
  • Estimates effects of on-time or missed payments on your score.
  • Allows you to model different credit scenarios risk-free.
  • Provides projected score changes to guide financial choices.
  • Lets you test options before implementing to avoid score drops.

Troubleshooting Common Subscription Issues


  1. Addressing Billing or Payment Problems:

Encountering billing or payment issues with your CIBIL Score Subscription can be frustrating, but there are steps you can take to resolve them. Start by reviewing your billing statement for accuracy, ensuring that all charges are legitimate. If you notice discrepancies or unauthorized charges, contact your financial institution to dispute them promptly. Additionally, reach out to CIBIL’s customer support for assistance in resolving billing errors or payment issues. Providing details of the problem and any relevant documentation can expedite the resolution process and ensure uninterrupted access to your subscription services.


  1. Resolving Technical Issues with Accessing Reports:


Technical glitches or difficulties in accessing credit reports can hinder your ability to monitor your credit health effectively. If you encounter such issues, first, check your internet connection and ensure that you’re using a compatible browser or device. Clearing cache and cookies or trying a different browser may also help resolve technical issues. If problems persist, contact CIBIL’s technical support team for assistance. They can provide troubleshooting guidance, escalate the issue if necessary, and ensure that you can access your reports without further interruption.


  1. Seeking Assistance From CIBIL Customer Support:


When encountering subscription-related challenges that aren’t addressed through self-help measures, reaching out to CIBIL’s customer support is crucial. Whether you’re facing billing discrepancies, technical issues, or general inquiries about your subscription, their knowledgeable representatives are available to assist you. Contact them via phone, email, or online chat, providing detailed information about your concern or question. CIBIL’s customer support team is dedicated to providing prompt and effective assistance, ensuring that you receive the support you need to resolve subscription issues and make the most of your credit monitoring services.

The Credit Score Simulator in Credit Pass allows you to make informed credit decisions by showing possible effects on your score beforehand. While the estimated scores may vary from actual results, it remains a useful planning tool for responsible financial management. Check out the Bajaj Finserv Credit Pass today for full credit control.