Fold gives you access to your credit profile from two of India’s major Credit Information Companies (CICs):
Equifax: Available to all Fold users, completely for free.
CIBIL (TransUnion): A premium tracking feature exclusively available for Fold Plus subscribers.To link them:Go to the Credits tab > tap Credit Score > follow the prompts to verify your identity.
Because Equifax and CIBIL are independent bureaus, their refresh cycles work differently on Fold:
Equifax (Free): Your score will automatically refresh monthly, on the 15th of every month. You don't need to manually trigger anything; simply open the app on or after the 15th to see your latest data.
CIBIL (Fold Plus): Once linked, you can manually trigger a CIBIL refresh once every 30 days. You are allowed a maximum of 5 CIBIL refreshes per year.