Check CIBIL Score by PAN Card

Check CIBIL score by PAN card online for free. You will also get monthly updates  on your credit report. However, if you check your score on the TransUnion CIBIL website, you need to pay a fee. However, you have to provide your PAN Card as one of the documents to check your credit score.

 CIBIL Score Check Free Online By PAN Number

Having a  valid PAN Card is essential to check your CIBIL score. Your credit score is the most important thing that every lender scrutinizes when you apply for a loan or even a credit card. It shows how creditworthy a borrower is and if they are capable of repaying the debt on time. An excellent credit score increases your chances of getting a loan application approved. You can easily check CIBIL score free by PAN card with monthly updates.

Steps to Check CIBIL Score Online by PAN Card

At  most online platforms, you can check CIBIL score with PAN card. However,  MyMoneyMantra.com provides a free Experian credit score and report along with monthly updates without entering a PAN number. 

Follow the steps mentioned below to get your free CIBIL score:

  • Visit MyMoneyMantra.com
  • Click on the Credit Score tab.
  • Enter your name, phone number, and email address.
  • Accept terms & conditions, and click on “Let’s Go”.
  • Enter the OTP received on your mobile number.
  • You will receive your credit score on your email in a PDF format.
  • To open your report, you will need to enter the password, which is the first 4 letters of your first name (in upper case) followed by the last four digits of your mobile number.
  • On entering the password, you will be able to see and download your detailed credit report.
  • The report consists of your updated Experian score, personal details, PAN number, personal loan and credit card account details.

sbi credit card apply

Why is a PAN Card Mandatory to Check CIBIL Score?

Even if you don’t have a PAN Card CIBIL score can be checked for free through MyMoneyMantra, however most online platforms need it. Banks and other financial institutions record your major financial transactions against your PAN card. If you do not have a PAN card, the probability that you have not availed any credit is high. In such cases, any credit bureau is unable to generate your credit score.

Factors to Improve CIBIL Score

  • If you have a poor CIBIL score, you can improve it with the following tips:
  • Pay your credit card bills and loan EMIs on time.
  • If you are a frequent user, opt for a higher credit limit.
  • Don’t use more than 30% of your approved credit limit.
  • Don’t revolve your credit or pay less than due amount.
  • Check your eligibility for loans and credit cards, and apply with the lenders where your chances of approval are higher.
  • Check your credit report regularly for any discrepancy or error.
  • Have a mix of secured and unsecured loan types for different tenures.
  • Keep a significant gap between two credit card applications.

FAQs

How can I check my CIBIL score with a PAN card?

Follow the steps below for CIBIL score check online by PAN card free:

  • Visit online platforms that enable CIBIL check by pan number and enter your personal details, such as Name, DOB, PIN Code, etc.
  • Enter your PAN number and verify details using OTP authentication.
  • Once done, you will be able to see and download your credit score.

Can we check CIBIL score without a PAN number?

Even without a PAN card credit score can be checked for free through MyMoneyMantra. However, you must have a PAN number. Banks and lenders record your major financial transactions against your PAN card. If a person doesn’t have a PAN card, the probability that they haven’t availed any credit is high. In such cases, any credit bureau will be unable to generate their credit score.

Is it safe to check CIBIL score online?

Yes. All your information is safe if you do CIBIL score check online by PAN card through trustworthy platforms like MyMoneyMantra.

What are the basic requirements to get a credit card?

You have to check cibil score for credit card before applying for it. Below are the common requirements to get a credit card:

  • The applicant should be aged at least 21 years or 18 (with a parent’s permission).
  • The applicant must have a verifiable source of income.
  • The applicant must have a credit score of 750 or above to get approval.
  • The applicant must be earning a minimum monthly income of at least Rs. 25,000.
  • The applicant must submit all the required documents for verification.

What is the CIBIL score for a new PAN card?

You need a PAN Card to apply for a loan or even a credit card. When a person gets their PAN card for the first time and hasn’t applied for the loan already, the credit bureaus don’t have any information about their credit behaviour. Therefore, they mark ‘New to Credit’ against their profile. This mark, however, doesn’t mean that lenders will deny them a loan or credit card if they fulfil other criteria. Having a PAN Card is beneficial in many ways. You can do CIBIL score check free online by PAN number.

How can I check CIBIL score by PAN number for personal loan?

If you are applying for a personal loan, make sure you do an online CIBIL score check by PAN number first.

  • Visit online platforms that provide free PAN card CIBIL check and enter your personal details, such as Name, DOB, PIN Code, etc.
  • Enter your PAN number and verify details using OTP authentication.

Once done, you will be able to see and download your credit score by PAN card.

Will my CIBIL score be affected if I update my PAN card?

If you change your PAN card/ number, your CIBIL score will not get affected. Credit score includes other details as well, such as your name, date of birth, banking transactions, address, etc. If your PAN card/ number gets changed, the CIBIL software will usually show a warning in your account.