How to check CIBIL score online without a PAN card?

Cibil Score Check Online: Monitoring one’s credit score is essential for maintaining a beneficial financial status and securing favourable loan terms in today’s economy. To check your credit score from a credit bureau like CIBIL, one needs to enter your PAN (Permanent Account Number), which is linked to your bank accounts and primarily used as an identity document for income tax-related purposes.

CIBIL, also known as Credit Information Bureau India Limited, is an organisation that provides credit ratings to companies. It is the most commonly used credit score in India and reflects an individual’s creditworthiness using a three-digit number ranging between 300 and 900.

A higher score indicates good financial health, meaning the person takes loans and repays them responsibly, making it crucial to check one’s credit score as it can enable individuals to make informed financial decisions, efficiently manage their creditworthiness, and take proactive steps to improve their financial standing.

However, many individuals face challenges with accessing their credit score online without a PAN card. To enable individuals to monitor free CIBIL scores online, without the need for a PAN card, here are some easy-to-follow steps; explore below.

A step-by-step guide to checking the CIBIL score without a PAN card:

Here’s how to check CIBIL or Credit score online. (Credit: Snapshot of CIBIL Website)

Here are the steps to get your free CIBIL score:

Step 1: Firstly, visit the official CIBIL website and click on the option that says ‘Personal CIBIL Score,’ followed by ‘Get your free CIBIL score.’

Step 2: One can also directly go to https://myscore.cibil.com/CreditView/enrollShort_new.page?enterprise=CIBIL, where one will need to create an account by entering the email ID (which will serve as your username) and create a secure password.

Step 3: Add the full name and select the alternative identification documents, such as a passport, voter ID, or driver’s licence, in place of a PAN card, as per one’s selection.

Step 4: Fill in the date of birth and PIN code, and select the state. Lastly, enter the mobile number and click on ‘Accept and Continue’.

Step 5: Once the mobile number has been entered, one will receive an OTP (time password) on the phone. Enter the OTP on the next screen to verify your identity. Then click on ‘Continue.’

Step 5: One will then be asked if they want to pair the device with the account. If one is accessing the CIBIL website from a secure device such as a laptop or mobile device, click on ‘Yes.’ If you are using a public or shared device, such as an internet cafe or library, click on ‘No.’ Finally, click on ‘Continue.’

Step 6: On the next screen, one will see a message that says, ‘You have successfully enrolled!’

Step 7: Post that login by entering a username and password. After that, click on the ‘Go to dashboard’ option, which will allow one to view the CIBIL score.

It is a good practice to monitor one’s CIBIL score at least once a month. This helps us understand creditworthiness and enables us to negotiate better loan offers with lenders. By following the steps mentioned below, one can get their most accurate credit score for free.