Big news for PAN Card Holder’s. If you also have PAN card then this article is for you. If you have lost your PAN card and applied for a duplicate, it does not have any impact on your CIBIL score. But does two PAN cards affect the credit score?
Knowing your CIBIL score is the first step to understanding the good health of your finances. Earlier, OTP was required to check the CIBIL score, but after the recent changes, you can now only check your score with your PAN card. Let’s know how to do it.
What is CIBIL Score?
The CIBIL score is a three-digit number that shows your creditworthiness. This score ranges from 300 to 900. The higher your score, the more likely you are to easily get credit cards or loans on good terms. This score shows whether you will be able to repay the loan on time or not.
Why PAN Card Credit Report is Important?
Every taxpayer in India gets a unique 10-digit PAN number. Through this, your financial data is linked, so that the credit bureaus get your credit report easily. When you apply for a loan or credit, it helps lenders understand your credit history.
Does changing PAN card affect the CIBIL score?
What if you get a duplicate PAN card?
If you have lost your PAN card and applied for a duplicate, it does not have any impact on your CIBIL score. Your original PAN number is linked to your credit history.
Here’s how to check CIBIL with PAN card
By following these steps, you can check your CIBIL score online for free without OTP. Go to a good website that offers credit score checking. Enter your PAN number there. Fill in your date of birth, phone number, and email address. You can also choose the option of WhatsApp to receive updates. Click on “Get a Free Credit Score” and you will know your CIBIL score.
