What is the Credit Pass, and how can it help me?

The Bajaj Finance Credit Pass is your ticket to financial empowerment. It’s a simple, hassle-free tool that provides a host of incredible benefits:

• Personalised credit health dashboard: A comprehensive overview of all your credit accounts in one place ensures real-time access to your credit health report. You can use it to track and analyse the factors that impact your CIBIL Score, such as your repayment history, credit utilisation, and credit enquiries. Use it to determine if you’re in a good position to obtain a loan or credit card, identify areas for improvement, and track upcoming payment deadlines.
• Monthly credit score checks: With updates to your CIBIL Score every month, you can easily gauge your credit status and take proactive steps to improve it.
• Interactive tools: Use interactive tools like the Credit Score Simulator and EMI Calculator to peek into the future and assess how taking a loan or credit card might affect your CIBIL Score. Treat it like a virtual laboratory where you can experiment and understand the potential impact on your credit score before making any financial decisions.
• Free and unlimited access: You can enjoy free and unlimited access to all of Credit Pass features and benefits for the first 12 months when you sign up. This is a limited-period offer.

How do I sign up for the Credit Pass?

Follow these three simple steps to register online and get your unique 12-digit Credit Pass instantly:

1. Click here to unlock the limited-period offer and sign up
2. Authenticate your identity with an OTP sent to your mobile phone
3. Submit the form after providing basic information like your name and PAN

Once you receive your 12-digit Credit Pass number, you can log in to your account and view your dashboard, check your credit score, and access your report.

Why is it important to monitor my credit health?

Your creditworthiness directly impacts your ability to get approved for credit products. With a CIBIL Score of 750+, lenders view you as a trustworthy borrower. These lenders are more likely to approve your credit applications and provide you with favourable interest rates. So, monitoring your credit health is crucial to improve and maintain your creditworthiness. The greatest advantage of regularly reviewing your credit health is that you can instantly spot errors and discrepancies that might be harming your CIBIL Score and get them fixed.

Regularly monitoring your credit health report via Bajaj Finance Credit Pass, allows you to:

• Repay your dues on time
• Maintain a low credit utilisation ratio
• Avoid multiple credit enquiries
• Understand your credit mix

So, why wait? Get your free Credit Pass today and travel towards a secure and prosperous future with confidence.