Check CIBIL Score Without PAN Card, Here’s What You Need To Do – News18

CIBIL score plays a pivotal role in financial transactions, particularly when seeking loans or credit cards. The Credit Information Bureau (India) Limited, commonly known as CIBIL, is a significant player in this aspect, offering credit scores for borrowers. These scores are vital for financial institutions as they help in assessing the creditworthiness of individuals.

Your CIBIL score is a three-digit number that reflects your creditworthiness and loan repayment capacity. It ranges from 300 to 900, with higher scores indicating better creditworthiness and increased chances of loan approval.

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However, obtaining a CIBIL score can sometimes be challenging, especially if you don’t have a PAN card available.

To make it easier for you, here’s a step-by-step guide on how to get your CIBIL score without a PAN card.

• Step 1: Visit the official CIBIL website and navigate to the ‘Personal CIBIL Score’ section. Click on ‘Get Your Free CIBIL Score’ and follow the instructions to fill in your details.
• Step 2: If you don’t have a PAN card, you can use alternative identification documents such as your passport, voter ID, driver’s license, or ration card. Enter the number of the specific ID you choose.
• Step 3: Enter your date of birth, PIN code and select your state. Provide your mobile number and click on ‘Accept and Continue.’
• Step 4: To verify your identity, enter the OTP sent to your mobile device. Click ‘Continue.’
• Step 5: Choose whether you want to link the device with your account. Select ‘Yes’ or ‘No’ accordingly.
• Step 6: Upon successful registration, you will see a page confirming the same.
• Step 7: Click on ‘Go to Dashboard’ to view your CIBIL score.

Various factors influence your CIBIL score, including:

• The depth of your credit history
• The trend of outstanding balances over time
• Your transaction history on credit cards
• The ratio of actual repayment amount to total amount due
• The number of new accounts opened and closed

Your CIBIL score will give you valuable insights into your credit health and help you make informed financial decisions.

Disclaimer: The views and investment tips by experts in this News18.com report are their own and not those of the website or its management. Readers are advised to check with certified experts before making any investment decisions.