• Find your CIBIL score with your PAN card

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    The CIBIL Score plays in a significant in determining your credit eligibility for a loan or credit card. When an individual applies for a loan or credit from a bank, the bank will look into various parameters to assess your eligibility. The CIBIL Score or a credit score is one of the most important factors that the bank looks into while reviewing applications. The credit score is derived from all the information that is included in the CIBIL Credit Information Report (CIR). You can find the details of your credit repayment history, details of loan/credit accounts under your name, and various other personal basic details on the CIR.

    It is important to review your own credit report periodically to ensure that no incorrect details are entered in your report. Additionally, it is a good practice as well considering the fact that you can notice trends and factors that are responsible for the increase or decrease in the credit score.

    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. 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

    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.

    Follow these steps to check your CIBIL Score by using the PAN Card:

    • Visit - https://www.cibil.com/ (CIBIL’s official website)
    • Click on the top right option that says ‘Get Your Credit Score’, or
    • Visit https://www.cibil.com/creditscore/ directly
    • Choose a subscription method, if applicable
    • Enter your PAN Card number
    • Enter your e-mail address
    • Enter Date of Birth
    • Select the Gender
    • Enter the captcha code
    • Acknowledge the terms and condition
    • 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.

    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.

    News about CIBIL score

    • Capital Float Join Hands with StoreKing

      To aid small retailers with working capital loan, recently StoreKing—the rural retail commerce provider—has come forward to tie up with Capital Float. The Capital Float is a digital lending platform that aims to expand its credit services to nearly 40,000 retailers, who are StoreKing’s retailer.

      Presently, StoreKing serves 1.4 million customers and is planning to build a Credit Score mechanism for rural India. This initiative will help the company to expand its horizons in rural India and help the rural citizens reap the benefits out of it. With this move, StoreKing intends to reach the vision of serving 100,000 retailers by 2020. On the other hand, the senior officials at Capital Float believe that this partnership will help small retailers upscale their operations to achieve economic growth.

      28 November 2017

    CIBIL Reviews

  • Page 1 of 19 1 2 3 4 5
    • Bank Bazaar Credit Card
      "Good Experience"
      HSBC BANK
      0.5 4.0/5 "Great!"
      The Bankbazaar team has been a good one until now. Their customer care called me properly and informed me all the details in a good manner. Their website and application is pretty user friendly. I was able to check my CIBIL score for free very easily.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Jan 05, 2018
    • Bank Bazaar Car Loan
      "GOOD"
      HDFC BANK
      0.5 5.0/5 "Blown Away!"
      it was a good customer service i received form the bank bazaar end .as after i registered for the loan process the Call came within 2 days . Website of bankbazaar is really easy to use and helpful . Cibil score i checked on the bankbazaar website an it was so easy i did not even pay for it . really a great experience with bankbazaar .
      Was this review helpful? 0
      , noida
      Reviewed on Nov 30, 2017
    • Bank Bazaar Credit Card
      "Good value"
      SBI CARDS
      0.5 5.0/5 "Blown Away!"
      I have been using Bankbazaar website for over a month now and have already got a Credit Card using them. Their process is very effective, you would get a call from them for sure. Apart from this I was able to check my CIBIL score and also the EMI calculator is pretty effective.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 23, 2017
    • Bank Bazaar Personal Loan
      "User friendly app,best app for financial requirements to all"
      ICICI BANK
      0.5 5.0/5 "Blown Away!"
      This is the first time, I am using this app, it is more helpful to me,with the help of this app we can take right decision regarding. I must share this to my friends as well.if we want the cibil score from bank ,they will charge us 300 rs,but with in one minute we can get our cibil score without paying any thing.Thanks to bankbazaar.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 21, 2017
    • HDFC Bank Credit Card
      "Good card to use"
      HDFC BANK
      0.5 4.0/5 "Great!"
      I applied a credit card with HDFC bank and they approved it and I took it from them. I used their HDFC Platinum Plus credit card from 2012 to 2013 . There are no annual fees applicable to this credit card. I couldn't apply a new credit card now because my cibil score is low and I will apply a new credit card once my cibil score is good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 18, 2017
    • Bank Bazaar Credit Card
      "Experience"
      SBI CARDS
      0.5 4.5/5 "Excellent!"
      Superb application for personal financial record updation and to explore the market availability in terms of personal CIBIL score. Happy to be a part of Bankbazaar customer.Thanks and stay in touch and keep contacting for future. Enjoyed
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 17, 2017
    • Bank Bazaar Car Loan
      "Better service"
      ICICI BANK
      0.5 4.0/5 "Great!"
      It was a great experience I got with bank bazaar in regards to my car loan application. I got to know about my cibil score, without any charges. The customer support is prompt with bank bazaar. I know bank bazaar for more than 4 years. I used bank bazaar website which is easy to use and customer friendly.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Nov 17, 2017
    • Citibank Personal Loan
      "Needs to improve"
      CITIBANK
      0.5 3.0/5 "Satisfactory"
      I have applied for the personal loan from Citi bank, my loan application was closed because there was an issue with my CIBIL score. When it comes to customer service, they just called once and there was no further follow up done, they did not respond. The rate of interest was nominal when compared to other banks.
      Was this review helpful? 0
      , pune
      Reviewed on Nov 17, 2017
    • Kotak Personal Loan
      "Good service"
      KOTAK MAHINDRA BANK
      0.5 5.0/5 "Blown Away!"
      I have applied for the personal loan from Kotak Mahindra Bank, my loan application was closed because i had an issue with my CIBIL score. The customer service was good and they responded on time, there was no issue from the bank side and they followed up regularly. The rate of interest was high when compared to others in market.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 16, 2017
    • Bank Bazaar Personal Loan
      "OK OK EXPERIENCE"
      FULLERTON
      0.5 3.0/5 "Satisfactory"
      It was a OK OK experience with Bank Bazaar i received while i applied for the personal loan . The website is helpful and user friendly as i am first time user . I checked the cibil score on the website without paying any fees that is so cool . The call came from the bank bazaar executive once after I registered for the loan process also their customer service is cool only.
      Was this review helpful? 0
      , goa
      Reviewed on Nov 15, 2017
    • ICICI Bank Personal Loan
      "Below Average service"
      ICICI BANK
      0.5 2.0/5 "Expected more"
      ICICI bank executives told that my cibil score is low but I know that I have enough cibil score to go with the personal loan and I got the personal loan from other bank. The customer support haven't gave any response in regards to my personal loan application.The response need to be improved with ICICI bank.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Nov 15, 2017
    • Bank Bazaar Personal Loan
      "Good service"
      HDFC BANK
      0.5 4.0/5 "Great!"
      I got a promotional mail from bank bazaar and that's how I came to know about bank bazaar.com. I have applied personal loan via the promotional mail. The website is easy to use and customer friendly. It is also helpful to check the cibil score.
      Was this review helpful? 0
      , rajahmundry
      Reviewed on Nov 15, 2017
    • RBL Bank Credit Card
      "FRAUDULENT BANK...PATHETIC SERVICE"
      RATNAKAR BANK
      0.5 0.5/5 "Unacceptable"
      Not providing NOC for account which I asked to close a year ago on 13nov2016 I am a happy customer of Citibank and SBI Cards. Previous year i fell in the trap of RBL.They kept on calling whole day for a mere amount of Rs. 400+ so I cleared the balance and asked me to close my service through call and mail on 13Nov2016. They blocked my account and on 15oct2017 when I tried to get a car loan... my CIBIL score was low due to this bank which says I have not paid their balance. So I went through their customer care. They apologized and said they will clear all charges and will provide me NOC so that I can get a loan but no response from their side. My loan was stuck so I was on the phone and after an hour or more i got Mr. Ravi Shukla (Supervisor) on the call and he promised me that everything will be done within three working days. Three working days all are over. I got a NOC and I was called by the ''adament'' supervisor.He tried to blame me for the whole situation.
      Was this review helpful? 1
      , new delhi
      Reviewed on Nov 13, 2017
    • Bank Bazaar Personal Loan
      "Lots of advantages"
      KOTAK MAHINDRA BANK
      0.5 5.0/5 "Blown Away!"
      Bankbazaar has so many advantages. The whole application is pretty neat and easy to use. I could see my CIBIL score and also applied for both my Credit Card and Loan. The concept of the whole idea of comparing various Bank in a single page is pretty novel.
      Was this review helpful? 0
      , pune
      Reviewed on Nov 01, 2017
    • Bank Bazaar Personal Loan
      "Very Very good"
      HDFC BANK
      0.5 4.5/5 "Excellent!"
      As i am hope less that no bank is giving me loan because of low cibil score but you consider my application and gave me hope that i pay back my debt. feeling very helpful dont know about the result but who ever is giving you the hope is a farista thanks
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 26, 2017
    • Bank Bazaar Car Loan
      "Excellent service"
      HDFC BANK
      0.5 5.0/5 "Blown Away!"
      I have been using the website for last one year they give prompt information pertaining to loan offer or card offers.They sound helpful and willingness to give the right offer as per the need.website gives multiple information especially the cibil score.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 24, 2017
    • Bank Bazaar Car Loan
      "Better options"
      HDFC BANK
      0.5 3.0/5 "Satisfactory"
      I am user of bank bazaar for last few months. I liked the website so much it has got required information pertaining to loan,cibil score etc.I get an immediate response from them,continue to be the same.keep up the good work and all the best for the future projects.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 23, 2017
    • Bank Bazaar Car Loan
      "Good website"
      CAPITAL FIRST
      0.5 4.0/5 "Great!"
      I know bankbazaar.com from last 6 months, the services provided by bankbazaar is good when compared to all other banking websites. The customer service is good and prompt. I am using mobile application, it is easy to access and it is user friendly. I also check my CIBIL score in the mobile app.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 21, 2017
    • HDFC Bank Saving Account
      "Average service"
      HDFC BANK
      0.5 1.0/5 "Really Bad"
      I am holding HDFC savings account from last 10 years, i had a good experience with HDFC bank. The banking services are also good, the only problem i had is they are not giving any loans from last 10 years because my CIBIL score is less. I use HDFC net banking for all the services i require. I also do online transfers through NEFT and there are no additional charges.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 21, 2017
    • Capital First Car Loan
      "Good customer service"
      CAPITAL FIRST
      0.5 4.0/5 "Great!"
      I have applied for the car loan from Capital First, my loan application was rejected because my CIBIL score was less. When it comes to customer service, it was good and they responded well. The rate of interest is little high when compared to all other sources.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 21, 2017
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