How to activate and use your Credit Score Insights

Want to understand your business credit score better? With Credit Score Insights in the Tide app, you can track your score, understand what impacts it, and discover ways to improve it, all in one place.

Your business credit score

What is a business credit score?

Your business credit score is a number that reflects how responsibly your business manages credit and repayments.

It helps lenders and financial partners understand your business’s financial reliability.

Your score is calculated by trusted credit bureaus and may change over time based on your business activities and repayment behaviour.

Why does your business credit score matter?

A healthy business credit score can help your business:

Improve chances of loan and credit approvals

Unlock better interest rates and funding opportunities

Build trust with lenders and partners

Strengthen your business credibility

Generally:

Higher scores may improve access to funding and financial products

Lower scores may limit funding options or result in higher interest rates

How you can check your credit score on Tide?

Tide helps you check your Business Credit Score quickly and securely. Simply enter the required details and we’ll fetch your score directly from TransUnion CIBIL.

How long does it take to get a credit score on Tide Platform?

It usually takes just a few seconds after you submit your details.

Is checking credit score on the Tide platform free?

Yes, it is completely free to check your credit score on the Tide platform. You can check your credit score on Tide once every 90 days.

Will checking credit score on Tide affect it?

No, checking your own credit score on the Tide Platform (also known as a soft inquiry) does not impact your credit score.

What is CIBIL?

CIBIL (Credit Information Bureau India Limited) is one of the major credit bureaus in India that provides credit scores and reports based on an individual's credit history.

Is there a difference between a CIBIL score and other credit scores?

Yes, different credit bureaus (CIBIL, Experian, Equifax, CRIF Highmark) have different scoring models, but they are generally similar.

What is a credit report?

A credit report is a detailed summary of your credit history, including loans, credit cards, payment history and outstanding debts.

How do you get your full credit report?

At Tide, you are provided a basic summary with your credit score. You can request a full credit report by clicking on “Download report” once the score is generated. This shall redirect you to CIBIL for your full credit report.

What should you do if there’s an error in your credit report?

If you notice any incorrect information in your credit report, you can raise a dispute directly with TransUnion CIBIL.

How long do negative records stay on the credit report?

Most negative information, such as late payments and defaults, stay on your report for up to 7 years.

Credit Score

Your business credit score is refreshed regularly so you can stay updated on changes over time.

Credit Insights

Get personalised tips and educational insights to help improve your score and financial health.

Credit Offers

Explore relevant offers and financial opportunities available through Tide.