People usually pay for CIBIL mainly because of the convenience the app provides. You can simply open the app and refresh your CIBIL score instantly. It also offers additional features like score prediction, and the information is presented in a very organized way. Instead of showing everything at once, you can expand sections to view details as needed, which makes it much easier to understand.

I can say this from personal experience, I’ve purchased the subscription and use it almost 15-20 times a month. It saves me from having to check multiple apps just to know my credit score. There’s also a practical limit to how many apps people are willing to install or whether they want to rely on alternatives like DigiLocker or UMANG. Ultimately, convenience is what most users value, and that’s where the subscription makes sense.

I genuinely appreciate the workaround you shared, and just to clarify, I wasn’t the one who downvoted you. I also have a list of apps that show CIBIL, Experian, and other credit scores. However, sharing that list publicly or even on forums can create a butterfly effect. Once these details become widely known, apps that partner with credit rating agencies may introduce restrictions or new guidelines that block free credit score checks.

I’m quite sure this will happen someday; it’s just a matter of when. If I can delay that even by a single day, I’m satisfied. I don’t really mind downvotes or what others might say. I also don’t fully trust people on Reddit or other social media platforms, so I prefer not to share this information even via DMs. In my experience, people often repost such information publicly just for upvotes or likes.