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CIBIL provides free credit scores for everyone who has a credit card. With CIBIL’s official website, one can get an accurate and up to date CIBIL score. You can use your PAN card number to check your CIBIL score as well.
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You can check your CIBIL score for free by providing your PAN card details along with basic information such as your registered mobile number, date of birth, PIN code, and email address. This can be done quickly and without affecting your credit score.
Follow the steps mentioned below to check your CIBIL score by using the PAN card -
If you had checked your CIBIL Score/CIR earlier, you could 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, and telephone number to request for 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.
When you change or replace your PAN card, it can affect your CIBIL score in different ways depending on the type of change.
A duplicate PAN card is issued when your original PAN card is lost, stolen, or damaged. The key thing to understand is that the PAN number remains the same. The PAN card is simply an identity document linked to your financial and tax activities. Since the unique PAN number remains unchanged, your entire credit history, including loans, payments, and other financial records, continues to be associated with the same number. Since your credit score is directly linked to your PAN number, and the duplicate card doesn’t alter that number, your financial history remains unaffected. You don’t lose any information, and the CIBIL score continues to reflect your true financial standing.
The issue arises only if you hold more than one PAN card, which could happen if there was an error in the application process. In such cases, you should surrender one of the PAN cards, as holding multiple PAN cards can cause confusion in your financial records. But as long as the original PAN remains intact and you are using the duplicate, your credit history will not be impacted.
A new PAN card can have significant effects on your credit history and, ultimately, your CIBIL score. This typically happens when you apply for a new PAN card instead of a duplicate (e.g., when you lose your original PAN card and request a new one). The issue arises because the new PAN card will be assigned a different number, which means that your credit history linked to the old PAN will not automatically be transferred or associated with the new one.
Disruption in Credit History: Your credit history is built around your PAN number, which serves as the unique identifier for all your financial transactions. If you are assigned a new PAN, the credit bureaus (such as CIBIL) will no longer link your previous financial activities with your new PAN card. This results in a fragmented credit record. Essentially, your credit history might appear as though it is starting from scratch, which means your existing credit history—such as loan repayment records, credit card usage, and other important data—could be lost or overlooked.
Impact on CIBIL Score: A fragmented or missing credit history can lower your CIBIL score. Since credit scores are based on the strength of your financial activities (such as timely bill payments and responsible loan management), not having a clear history tied to your PAN number can make you appear as a credit risk to lenders. The CIBIL score may drop because it lacks the full scope of your credit history, which leads to lenders being unable to assess your true financial behaviour.
Potential Red Flags in Credit Bureau Databases: If the credit bureau notices that your old PAN number is no longer linked to your financial activities and a new PAN card has been issued, they may flag this as an irregularity or red flag. This could lead to a temporary rejection of credit applications or delays in processing loan requests, as lenders may need to verify your financial history manually, causing unnecessary complications.
To prevent these problems, it is crucial to follow these guidelines:
Always Request a Duplicate, not a New PAN Card: If your original PAN card is lost, damaged, or stolen, always request a duplicate PAN card rather than applying for a new one. A duplicate card uses the same PAN number, preserving your credit history and avoiding disruption.
Surrender Extra PAN Cards: If you find that you have been issued more than one PAN card, you must surrender the extra PAN card. The Income Tax Department does not allow individuals to hold multiple PAN cards. You can contact the department to cancel any additional PAN cards and ensure all your financial records are linked to a single, correct PAN.
Link Aadhaar with PAN: Linking your Aadhaar to your PAN card is critical in maintaining the integrity of your financial records. If there’s a change to your PAN, the Aadhaar-PAN linkage will ensure that your identity and credit history are correctly updated and associated.
One can obtain an authentic and current CIBIL score at the company's official website. You can also verify your CIBIL score using the PAN card number.
The credit products connected to your PAN card are used to determine your CIBIL score. Your credit score may change if your CIBIL report contains information on a different PAN card. However, it is advised that you have it fixed as soon as you can, since a lower credit score brought on by inaccurate information in times of need may make it more challenging for you to have your loan application accepted.
Information about loans or credit cards connected to your current PAN card is used to determine your CIBIL score. Owning more than one PAN card is a serious offense, and the Income Tax administration may take action against you, therefore you are not obliged to apply for a new one if you already have one.
Your CIBIL score will be impacted negatively if a new PAN card is issued. It's because your credit history, which is linked to your current PAN card, forms the basis of your credit score. Therefore, the TransUnion CIBIL database may likely display a red alert on your account if you request a new PAN.
If you seek a duplicate PAN card in the case that your original PAN card is misplaced or stolen, your CIBIL/Credit score won't be affected because the PAN number will remain the same.
You can still request your CIBIL Score even if you don't have a PAN Card by using the identification proof number found on your passport, voter ID, or driver's licence.
To accomplish this, look up your credit report. Your PAN card is linked to the credit report, which is an overview of your credit history. Your credit score is summarised in the report, which also lets you look at all of your loans.
When determining one's CIBIL Score, the PAN Card is the most crucial document. Since each person has a distinct PAN, our financial and banking information makes it simple for credit bureaus to locate information quickly.
Checking your credit record is the simplest approach to determine whether a loan has been approved using your PAN card. All credit cards and loans issued in your name are listed on your credit report. As a result, you will be able to determine whether any loans were made without your consent.
Your PAN card is used to track your important financial transactions. There is a good chance that you haven't gotten any credit if you don't have a PAN card. Any credit bureau will be unable to produce your credit score in this situation.
Even though your PAN card and Aadhaar must be linked, as of right moment, you cannot access your credit score using only your Aadhaar number. To generate your credit score, you must present your PAN card.
To apply for a loan or credit card, you must have a PAN Card. Credit bureaus have no knowledge of your credit behavior when you receive your PAN card for the first time and have not yet asked for a loan. As a result, they classify your profile as "New to Credit." But even if you meet other requirements, lenders could still decide against giving you a loan or credit card.
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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.
Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.
