Confirming your CIBIL score typically involves providing your PAN (Permanent Account Number) card information. PAN is associated with bank accounts and primarily serves as an identity proof for income tax matters. Nevertheless, there could be other available options to verify your credit score depending on the policies of the credit bureau.

You can reach out to the credit bureau or visit their website to find out if there are alternatives for checking your credit score without a PAN card.

It is important to note that having a PAN card is not always a requirement for individuals to access their credit score in India.

How to check credit score online without PAN?

If you are having trouble accessing your credit score online without PAN card, you can check CIBIL scores online for free, without PAN card.

Here is a detailed guide on how to check your Cibil score if you don't have a PAN card:

• Go to the Cibil site and select "Personal CIBIL Points" and "Obtain Free CIBIL Points".
• You can go directly to this link: https://myscore.cibil.com
• Then you can create an account by entering your email ID and adding a password.
• Enter your full name and select other identification documents like Passport, Voter ID or Driving License instead of PAN Card.
• Fill in your date of birth, password, and country selection. Enter your phone number and click "Accept and continue".
• You will then receive a one-time password (OTP) that you must enter and then click Continue.
• You will be asked if you want to add the device to the account and then you will be registered.
• Log in with your username and password, click the "Go to Control Panel" option, and then you can see your Cibil result.

Your CIBIL score, which is represented by a three-digit number, indicates your creditworthiness and ability to repay loans. This number is derived from your credit history, particularly the information in the 'Accounts' and 'Inquiries' sections of your CIBIL report. Scores range from 300 to 900, with higher scores indicating a stronger credit history and higher approved payments. A score close to 900 increases the chance of getting a loan.

Factors influencing the new CIBIL score

As per the information from the CIBIL website, the following factors apply to the new CIBIL score:

Depth of credit: This indicates how long you have had credit accounts, starting from when you first opened your oldest one.

Long-term trend of outstanding balances: This takes into account the pattern of your outstanding balances over time.

Transaction history on credit cards: It considers your payment patterns and history of credit card utilization.

Actual repayment amount to total amount owed ratio: This ratio reflects how much credit you're actually repaying.

Number of new accounts opened and closed: The score reflects the frequency of opening and closing accounts.

FAQs

Q. Can I check my CIBIL score with Aadhaar card?

A. To stay ahead of your finances, you must regularly check your CIBIL score and change your spending habits to improve or maintain your score. CIBIL score check by Aadhaar card is not possible currently.

Q. Can I check my credit score for free?

A. By law, you can get a free credit report each year from the three credit reporting agencies (CRAs). These agencies include Equifax, Experian, and TransUnion.

Q. Is 700 a good credit score?

A. For a score with a range between 300 and 850, a credit score of 700 or above is generally considered good. A score of 800 or above on the same range is considered to be excellent. Most consumers have credit scores that fall between 600 and 750. In 2022, the average FICO Score in the U.S. reached 714.

Q. Can I buy CIBIL score?

A. Buy your CIBIL Score and Credit report. This will cost you only Rs 550 and you can have access to the credit report within 3 business days. Follow the below step by step process to understand your report and identify areas to improve on.

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