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  • Check your CIBIL score with your PAN Card

    If you are looking to check your own credit score, you will need certain basic details along with the PAN Card Number. You are also required to make a fee payment to access the credit score.

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  • If you are checking your credit card once-a-year, CIBIL can provide you with a free credit score. Currently, there is no other website that can provide you with a CIBIL Score that is more accurate and up to date than CIBIL itself. Follow these steps to obtain your CIBIL Score from their official website:

    Click Here to Get Free Credit Score

    Steps to check your CIBIL Score by using the PAN Card:

    Here are the step to check your CIBIL Score

    1. Visit - https://www.cibil.com/ (CIBIL’s official website)
    2. Click on the top right option that says ‘Get Your Credit Score’, or
    3. Visit https://www.cibil.com/creditscore/ directly
    4. Choose a subscription method, if applicable
    5. Enter your PAN Card number
    6. Enter your e-mail address
    7. Enter Date of Birth
    8. Select the Gender
    9. Enter the captcha code
    10. Acknowledge the terms and condition
    11. Click on “Procced to Payment’

    If you had checked your CIBIL Score/CIR earlier, you can use your e-mail ID and password to access the existing information. If you are checking the credit information for the first time, the website will redirect you to the payment page. Once you make the payment, you can choose the mode of delivery of the score and the report. You can get a physical copy of the report mailed to your address through postal or you can choose to receive an electronic copy via an email.

    If you do not have a PAN Card number, you can use your basic personal details such as Name, Date of Birth, Identity Proof number of another document, Address, the and telephone number to request for the CIBIL Score.

    Why do we need PAN Card details to check the CIBIL Score?

    PAN Card is a common document that can identify an individual by using the unique PAN Card number. Moreover, PAN is also associated with all financial and bank accounts of most individuals. PAN makes it easier for the credit bureaus to locate your details efficiently. When you use the PAN Card number for viewing your CIBIL score, it is not used for any other purpose other than locating your credit information and authenticating it by using associated details.

    If you do not have a PAN Card, you can still request for your CIBIL Score by using the identity proof number mentioned on the Passport, Voter ID, or the Driver’s Licence.

    What is CIBIL Clearance or CIBIL Dispute?

    The Credit report is a pivotal aspect that influences an individual’s loan or credit card application dramatically. It is advisable to check the CIBIL report at regular intervals to identify any error or discrepancy in your name, personal details and inaccurate account details. Any error may often drop your credit score rejecting your loan application. For your convenience, credit bureaus offer Free Credit Score. However, if you wish to have a detailed credit report, then avail subscription based credit report from the agencies.

    The credit institution (CI) organization, from where customer borrows money, sends customers data to credit bureaus every 30-45 days. Based on the data, the credit bureaus then generate credit information report (CIR). So, the onus of any error or incomplete information lies on the credit institutions as they report the information to credit agencies. No credit agency can change the report until the credit institution reports it.

    In case, your account is not getting updated there might be two reasons that are responsible for it. Either the credit institution wouldn’t have submitted your recent report to a credit agency or there probably might be an ongoing dispute in your account. You can either dispute for the ownership of an account or for any details of an account. If the dispute is relating to the ownership of the account then it includes all other factors. And, if you want to raise dispute regarding one or more fields then you can raise the request.

    The credit institution submits customer’s credit account details, name, contact details, employment information including address, date of birth, PAN, telephone number, income, etc. Hence, it is of utmost importance to update the details with the CI’s as any wrong information may affect your Credit Report pulling down your credit score and therefore loan application. The mistakes may also occur in the loan type, wrong ownership type, wrong dates, incorrect status, errors in assets etc.

    How to Solve CIBIL Disputes?

    If you find any irrelevant information on your credit report that is misspelled information or some information that doesn’t belong to you, you should either contact credit bureaus or credit institutions. Follow the below mentioned steps to correct the errors in the CIBIL Report as it may affect your loan application and also increase the interest amount.

    • Analyze the issue correctly that may impact your credit report.
    • Open the online dispute resolution form from the credit agencies website and fill it correctly.
    • Once you submit the form, you will receive a dispute ID that is also referred as compliant ID.
    • The credit bureau then sends your correction report to the particular lender or CI.
    • Once the lender confirms the errors, the credit agency then does the necessary changes.
    • The entire process takes nearly 30 days to complete as it depends on both the credit institution and credit agency.
    • You will receive a confirmation message from the credit agency via email.

    How to clear your name from the Defaulter List?

    In case your name is there in the defaulters list, you should take initiatives to remove your name from the defaulters list that may otherwise build a negative credit history. If you name is there in the defaulters list, then loan application process may get affected. Hence, prior to your loan application, try to figure out why your name is there in the defaulters list and take appropriate steps to rectify it. Follow the below mentioned steps to ensure your name is not there in the defaulters list.

    • Figure out the pending due amount and clear all the outstanding amount.
    • Next, take a No Due Certificate from the respective bank.
    • After that, submit the certificate to the credit bureaus and request them to strike off your name from the defaulters list.
    • Once this is done, along with your loan application form submit a copy of all the supporting documents.
    • You will receive a confirmation message from the credit bureau via email, where you can also check the current status if the dispute application.

    If you find any discrepancy with your details immediately contact the bank’s personnel to make the loan application process smooth. You can also raise a dispute for multiple fields on your report at a single shot by navigating to each of the section that needs to be corrected.

    Bank details should be provided to expedite the CIBIL dispute process, so that the issue can be sent directly to the concerned branch. In case, you are not satisfied with the results of dispute, you can again raise the request so that the CI re-verifies it.

    FAQ's on Check your CIBIL Score by using the PAN Card

    1. How is your credit rating determined?

      A credit score is created and assigned based on the information and details which are there in your credit report. There are a lot of factors that are taken into account like payment history (35%), amount owed (30), length of history (15%), new credit (10%), types of credit used (10%).

    2. Which is CIBIL’s official website?

      The official CIBIL website is https://www.cibil.com/

    3. How is a rating denoted?

      A credit rating is always denoted by alphabetical symbols like AA+, A-. Keep in mind that the plus and minus symbols reflect the finer distinctions of your credit rating. A minus symbol does not have a negative connotation. If you rating is ‘AA-’, then it is better than ratings like ‘A+‘.

    4. How is credit rating done?

      Your credit rating will be assigned by a credit rating agency after they have assessed your ability to repay the amount which you have borrowed. A credit score on the other hand is computed by credit bureaus. This is done after the bureau has taken into account factors like your repayment behaviour and credit history. A credit score is also assigned to an organisation or a company.

    5. What are short-term credit ratings?

      A short-term credit rating is reflective of your creditworthiness within a short span of time. A short-term credit rating will reflect your likelihood to default within a period of one year.

    6. What is the CIBIL score for a new PAN card?

      If you have applied for a new PAN Card, and do not have a PAN number, your CIBIL Score will be affected and this will be reflected as a red flag on your account.

    7. What if you do not have a PAN Card?

      If you do not have a PAN Card, you can always ask to get access to your CIBIL score by using details like your name, date of birth, ID proof, and mobile number.

    8. What are the effects of PAN change on my CIBIL Score?

      If your PAN card has been lost or stolen, and you will request for a new one. This will not have any effect on your CIBIL score as your PAN number remains the same. If you have two PAN cards, then you should surrender one.

      When you get a new PAN card, it may affect your CIBIL score as the credit score is linked to your credit history, which is mapped to multiple banking transactions, date of birth, and address. When you apply for a new PAN, TransUnion CIBIL database will show a red flag on your account.

    TransUnion CIBIL is one of the leading credit information companies in India. The company maintains one of the largest collections of consumer credit information in the world. CIBIL Score plays a key role in the lives of consumers. Banks and other lenders check the CIBIL Score of the applicants before approving their loan or credit card application. Consumers can visit the official website of CIBIL to check their CIBIL Score and Report. CHECK YOUR CIBIL SCORE now.

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