There are 3 options which are available for fetching your credit report from CRIF High Mark: Free Credit Report:You are entitled to one FULL FREE ANNUAL CREDIT REPORT from CRIF once a year. This report is available instantly for your viewing. Paid Report (via Subscription Plans): You can download your credit report instantly for a valid subscription time period as per the plan purchased. The available plans are- 1 year, 6 months , monthly , one time. All the subscription plans will offer you the credit report along with credit score. Paid Report (without score):You can also get your credit report instantly without a score at INR 99 (exclusive GST) from CRIF, this would be a one-time fetch.