TransUnion CIBIL has made it easier for users to check their credit scores by integrating its services into the BHIM Payments App, developed by the National Payments Corporation of India (NPCI). Users can now view their CIBIL Score and Credit Information Report (CIR) directly within the app, provided they give consent. To check their score, users need to enter their PAN card details and accept the terms. The app also includes a process for raising disputes in case of inaccuracies in the credit report. Users can check their scores on multiple platforms, including Google Pay and SBI Yono App. If recent payments do not appear in the report, users are advised to wait 15-30 days for updates before raising a dispute. According to the Credit Information Companies (Regulation) Act of 2005, CIBIL cannot modify any information without confirmation from the relevant financial institution.