Credit Score

Steps to Check CIBIL Score Using Your PAN Card

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17/12/24 7:16 AM  | 2 Minutes
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Your PAN card holds more power than you think – especially when it comes to your financial health. With just your PAN, you can instantly check your credit score and take charge of your financial journey. It’s simple, quick, and completely free. In this blog, we will show how to check your credit score using your PAN card and knowing your score puts you one step ahead when planning your financial future. Read on!

Why is PAN Card Required to Check CIBIL Score?

CIBIL Score by PAN Card

Your PAN (Permanent Account Number) is more than just a tax ID, it is your financial fingerprint. Credit bureaus use it to track your credit activity across different lenders and accounts. That’s why it’s the most efficient way to access your credit score instantly. No need to dig out multiple documents, your PAN alone does the job.

How to Check Your Credit Score Using PAN Card?

Ready to take the first step towards financial confidence? Here’s how:

Step 1: Visit a trusted Credit Bureau

Start by visiting a trusted bureau like TransUnion (CIBIL), Equifax, Experian. You can also check your score through Poonawalla Fincorp.

Step 2: Navigate to “Check Credit Score” or “Get Free Credit Report”

Most platforms offer cost-free access to your credit score. Look for the “Check Your Credit Score” option on the website.

Step 3: Enter Your PAN Card and Other Details

Fill in your name (as per PAN), PAN number, date of birth, mobile number, and email ID.

Step 4: Verify With OTP

You will receive a one-time password on your registered mobile number. Enter it to verify your identity.

Step 5: View Your Credit Score

That’s it. Your score will be displayed on the screen and/or sent to your email - ready for review.

Effect of PAN Change on Your Credit Score

Your credit score is linked to your PAN card, which acts as your unique financial identity across credit bureaus. If you change or update your PAN, it may temporarily impact your credit history tracking. Here’s how it can affect you:
•    A temporary drop or inaccurate reflection of your credit score
•    A blank or low score if bureaus cannot link your PAN to your existing credit history
•    Loan/credit card application rejection
However, if updated accurately and linked properly, there will be no impact on your credit history.

What Do If PAN Card Has Been Changed

•    Inform all your banks and NBFCs about PAN update
•    Link your new PAN with your existing accounts
•    Check your credit score after the update to ensure continuity
•    If any discrepancy arises, raise a dispute with the credit bureau
If you have made a correction to your PAN card (e.g., name, spelling) and not issued a completely new PAN number, there is no impact as long as the number remains the same.

How Often Should You Check Your Credit Score

You can check your credit score:
•    Once a month, for regular monitoring
•    Before applying for a loan or credit card
•    Before clearing a significant debt
•    If you suspect identity theft or irregularities

Tips to Improve and Maintain a Healthy Credit Score

Here are the tips:
•    Pay EMIs and credit card bills on time
•    Maintain a low credit utilization ratio (under 30%)
•    Avoid multiple hard inquiries in a short time
•    Keep old accounts open to build credit history
•    Regularly check your credit report for errors.

To Conclude

Your credit score is more that just a number – it is your financial foundation. And with your PAN card, checking it is easier than ever. Whether you are planning a big milestone or simply want to stay in control of your finances, knowing your credit score puts you on the front foot. Take a minute today, check your credit score, and move forward with confidence.

FAQs

1.    Does checking credit score with PAN affect credit score?
No, checking your credit score using your PAN is considered a soft inquiry and does not impact your score.
2.    Can I check my credit score without PAN card?
In India, it is mandatory to provide PAN for credit score checks as it is the primary identification used by credit bureaus.
3.    Is it safe to use PAN for checking credit score?
Yes, as long as you use trusted platforms like Poonawalla Fincorp or official credit bureau websites. Avoid unknown or unverified portals to protect your data.
4.    Which is the best site to check credit score using PAN card?
You can check through CIBIL, Experian, Equifax or trusted financial platforms like Poonawalla Fincorp.

Disclaimer

We take utmost care to provide information based on internal data and reliable sources. However, this article and associated web pages provide generic information for reference purposes only. Readers must make an informed decision by reviewing the products offered and the terms and conditions. Loan disbursal is at the sole discretion of Poonawalla Fincorp.

*Terms and Conditions apply
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