{"id":9624,"date":"2026-06-23T10:54:59","date_gmt":"2026-06-23T05:24:59","guid":{"rendered":"https:\/\/www.fatakpay.com\/blog\/?p=9624"},"modified":"2026-06-23T11:23:41","modified_gmt":"2026-06-23T05:53:41","slug":"check-cibil-score-by-pan-card-number","status":"publish","type":"post","link":"https:\/\/www.fatakpay.com\/blog\/credit-score\/check-cibil-score-by-pan-card-number\/","title":{"rendered":"How to Check Your CIBIL Score with PAN Card for Free\u00a0"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Checking your credit score regularly helps you understand your credit health before applying for a loan or credit card. If you want to check CIBIL score by PAN card, the process is simple and can be completed online within a few minutes. Your PAN card acts as a unique financial identifier that helps credit bureaus track your borrowing history and generate your credit score.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You can check your free CIBIL score using your PAN card on the CIBIL website by completing OTP verification. You are entitled to one free full report annually, while platforms like&nbsp;FatakPay&nbsp;also offer quick score checks through soft inquiries that do not&nbsp;impact&nbsp;your credit score.&nbsp;<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/check-cibil-score-by-pan-card-number\/#Why_is_PAN_card_used_to_check_CIBIL_score\" >Why is PAN card used to check CIBIL score?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/check-cibil-score-by-pan-card-number\/#How_to_check_your_CIBIL_score_using_PAN_card\" >How to check your CIBIL score using PAN card&nbsp;<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/check-cibil-score-by-pan-card-number\/#Step_1_Visit_the_CIBIL_website\" >Step 1: Visit the CIBIL website&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/check-cibil-score-by-pan-card-number\/#Step_2_Enter_your_PAN_details\" >Step 2: Enter your PAN details&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/check-cibil-score-by-pan-card-number\/#Step_3_Complete_OTP_verification\" >Step 3: Complete OTP verification&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/check-cibil-score-by-pan-card-number\/#Step_4_Access_your_credit_report\" >Step 4: Access your credit report&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/check-cibil-score-by-pan-card-number\/#Step_5_Review_your_score\" >Step 5: Review your score&nbsp;<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/check-cibil-score-by-pan-card-number\/#What_is_the_effect_of_PAN_card_change_on_your_CIBIL_score\" >What&nbsp;is&nbsp;the effect of PAN card change on your CIBIL score?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/check-cibil-score-by-pan-card-number\/#How_to_apply_for_a_loan_after_checking_your_CIBIL_score\" >How to apply for a loan after checking your CIBIL score&nbsp;<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/check-cibil-score-by-pan-card-number\/#Step_1_Review_your_score\" >Step 1: Review your score&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/check-cibil-score-by-pan-card-number\/#Step_2_Check_for_errors\" >Step 2: Check for errors&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/check-cibil-score-by-pan-card-number\/#Step_3_Reduce_existing_debt\" >Step 3: Reduce existing debt&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/check-cibil-score-by-pan-card-number\/#Step_4_Compare_lenders\" >Step 4: Compare lenders&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/check-cibil-score-by-pan-card-number\/#Step_5_Submit_your_application\" >Step 5:&nbsp;Submit&nbsp;your application&nbsp;<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/check-cibil-score-by-pan-card-number\/#Factors_that_affect_your_CIBIL_score\" >Factors that affect your CIBIL score&nbsp;<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/check-cibil-score-by-pan-card-number\/#Repayment_history\" >Repayment history&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/check-cibil-score-by-pan-card-number\/#Credit_utilization_ratio\" >Credit&nbsp;utilization&nbsp;ratio&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/check-cibil-score-by-pan-card-number\/#Credit_mix\" >Credit mix&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/check-cibil-score-by-pan-card-number\/#Credit_inquiries\" >Credit inquiries&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/check-cibil-score-by-pan-card-number\/#Length_of_credit_history\" >Length of credit history&nbsp;<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/check-cibil-score-by-pan-card-number\/#Conclusion\" >Conclusion&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/check-cibil-score-by-pan-card-number\/#FAQs_on_checking_CIBIL_score_with_PAN_card\" >FAQs on checking CIBIL score with PAN card&nbsp;<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/check-cibil-score-by-pan-card-number\/#How_can_I_check_my_CIBIL_score_with_my_PAN_card_for_free\" >How can I check my CIBIL score with my PAN card for free?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/check-cibil-score-by-pan-card-number\/#Does_checking_CIBIL_score_with_PAN_card_affect_my_score\" >Does checking CIBIL score with PAN card affect my score?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/check-cibil-score-by-pan-card-number\/#Can_I_check_CIBIL_score_with_PAN_card_without_mobile_number\" >Can I check CIBIL score with PAN card without mobile number?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/check-cibil-score-by-pan-card-number\/#How_many_times_can_I_check_my_CIBIL_score_for_free\" >How many times can I check my CIBIL score for free?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/check-cibil-score-by-pan-card-number\/#What_if_my_PAN_card_details_are_wrong_on_CIBIL\" >What if my PAN card details are wrong on CIBIL?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/check-cibil-score-by-pan-card-number\/#Is_there_a_fee_associated_with_checking_the_credit_score_using_a_PAN_card\" >Is there a fee associated with checking the credit score using a PAN card?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/check-cibil-score-by-pan-card-number\/#Does_applying_for_a_new_PAN_card_impact_your_CIBIL_score\" >Does applying for a new PAN card impact your CIBIL score?&nbsp;<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_is_PAN_card_used_to_check_CIBIL_score\"><\/span>Why is PAN card used to check CIBIL score?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Your PAN card acts as a unique identifier for your credit history, linking loans, credit cards, and other credit activities reported by lenders and credit bureaus.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Because of this linkage, a PAN card CIBIL check helps credit bureaus accurately match your borrowing history, repayment behaviour, and credit accounts. This ensures that&nbsp;your&nbsp;<a href=\"https:\/\/www.fatakpay.com\/check-cibil-score\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>cibil score<\/strong><\/a>&nbsp;by PAN card reflects your actual credit profile and borrowing habits.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_check_your_CIBIL_score_using_PAN_card\"><\/span>How to check your CIBIL score using PAN card&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you are wondering how to check CIBIL score with PAN card, follow these steps:&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_1_Visit_the_CIBIL_website\"><\/span><strong>Step 1: Visit the CIBIL website<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Open the official TransUnion CIBIL website and navigate to the credit score section.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_2_Enter_your_PAN_details\"><\/span><strong>Step 2: Enter your PAN details<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Provide your PAN number, date of birth, mobile number, and email ID.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_3_Complete_OTP_verification\"><\/span><strong>Step 3: Complete OTP verification<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Verify your identity using the OTP sent to your registered mobile number.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_4_Access_your_credit_report\"><\/span><strong>Step 4: Access your credit report<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Once verified, you can check CIBIL score with PAN card and view your credit report online. Many borrowers wonder whether\u00a0<a href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/does-checking-your-cibil-score-reduce-it\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>does checking CIBIL score reduce it<\/strong><\/a>, but self-checks are treated as soft inquiries and have no impact on your score.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_5_Review_your_score\"><\/span><strong>Step 5: Review your score<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Check your repayment history, active loans, credit&nbsp;utilization, and inquiry details carefully.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Under RBI guidelines, all four credit bureaus&nbsp;i.e.&nbsp;CIBIL, Experian, Equifax, and CRIF High Mark must provide one free credit report per year to every consumer. You can check reports from all four bureaus annually at no cost.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_the_effect_of_PAN_card_change_on_your_CIBIL_score\"><\/span>What&nbsp;is&nbsp;the effect of PAN card change on your CIBIL score?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A PAN card change&nbsp;generally does&nbsp;not affect your credit score if the update is completed correctly across financial institutions.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, issues can arise when:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The old PAN\u00a0remains\u00a0linked to existing credit accounts\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Lenders update records incorrectly\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Personal information mismatches occur\u00a0<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">If you change or update your PAN details, inform your bank, NBFC, and credit card providers&nbsp;immediately. This helps ensure that your credit score by PAN card&nbsp;remains&nbsp;accurate&nbsp;and that all future credit activity is reported correctly.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_apply_for_a_loan_after_checking_your_CIBIL_score\"><\/span>How to apply for a loan after checking your CIBIL score&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Once you complete a check CIBIL with PAN card process, you can evaluate your loan eligibility more effectively.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Follow these steps before applying:&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_1_Review_your_score\"><\/span><strong>Step 1: Review your score<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A score above 750 is&nbsp;generally considered&nbsp;favourable by most lenders.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_2_Check_for_errors\"><\/span><strong>Step 2: Check for errors<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Review your credit report carefully for incorrect loan records or payment history and learn\u00a0<a href=\"https:\/\/www.fatakpay.com\/blog\/credit-score\/how-to-correct-your-cibil-report\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>how to correct errors in your CIBIL report<\/strong><\/a>\u00a0before applying for new credit.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_3_Reduce_existing_debt\"><\/span><strong>Step 3: Reduce existing debt<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Lower outstanding balances wherever possible.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_4_Compare_lenders\"><\/span><strong>Step 4: Compare lenders<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Look for lenders that match your credit profile and income level.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_5_Submit_your_application\"><\/span><strong>Step 5:&nbsp;Submit&nbsp;your application<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Apply only when you meet the lender&#8217;s eligibility criteria to avoid unnecessary hard inquiries.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Checking your report first helps improve approval chances and may help you secure better loan terms.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Factors_that_affect_your_CIBIL_score\"><\/span>Factors that affect your CIBIL score&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Several factors influence your&nbsp;cibil&nbsp;score by PAN card.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Repayment_history\"><\/span><strong>Repayment history<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Timely EMI and credit card payments have the biggest impact on your score.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Credit_utilization_ratio\"><\/span><strong>Credit&nbsp;utilization&nbsp;ratio<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Using&nbsp;a large portion&nbsp;of your available credit limit may negatively affect your score.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Credit_mix\"><\/span><strong>Credit mix<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A healthy combination of&nbsp;<a href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/secured-loan-vs-unsecured-loan\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>secured and unsecured loans<\/strong><\/a>&nbsp;can strengthen your profile.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Credit_inquiries\"><\/span><strong>Credit inquiries<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Too many hard inquiries within&nbsp;a short period&nbsp;may reduce your score.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Length_of_credit_history\"><\/span><strong>Length of credit history<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Longer credit history&nbsp;generally helps&nbsp;improve score stability.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Understanding these factors helps you&nbsp;maintain&nbsp;a healthy credit profile and improve your chances of loan approval.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Regularly checking your CIBIL score using your PAN card is a simple yet effective way to stay on top of your credit health. By&nbsp;monitoring&nbsp;your score, correcting errors promptly, and&nbsp;maintaining&nbsp;responsible credit habits, you can improve your chances of securing loans and credit cards on favourable terms.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Regular score checks through&nbsp;<a href=\"https:\/\/www.fatakpay.com\/fatakudaan-credit-builder\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><em>Fatak Udaan<\/em><\/strong><\/a><strong><em>s<\/em><\/strong>&nbsp;can help you&nbsp;monitor&nbsp;your credit health and&nbsp;<em>build your credit<\/em>&nbsp;more effectively over time.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs_on_checking_CIBIL_score_with_PAN_card\"><\/span>FAQs on checking CIBIL score with PAN card&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_can_I_check_my_CIBIL_score_with_my_PAN_card_for_free\"><\/span>How can I check my CIBIL score with my PAN card for free?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">You can check CIBIL score by PAN card for free through the official CIBIL website by entering your PAN number, date of birth, and completing OTP verification.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Does_checking_CIBIL_score_with_PAN_card_affect_my_score\"><\/span>Does checking CIBIL score with PAN card affect my score?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">No. Checking your own score is treated as a soft inquiry and does not affect your credit score.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Can_I_check_CIBIL_score_with_PAN_card_without_mobile_number\"><\/span>Can I check CIBIL score with PAN card without mobile number?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Most platforms require mobile verification for security purposes. Without mobile access, the verification process may not be completed.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_many_times_can_I_check_my_CIBIL_score_for_free\"><\/span>How many times can I check my CIBIL score for free?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">You receive one free full report annually from each credit bureau. Many third-party platforms may offer more frequent free checks.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_if_my_PAN_card_details_are_wrong_on_CIBIL\"><\/span>What if my PAN card details are wrong on CIBIL?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">You should immediately raise a dispute with CIBIL and provide supporting documents to correct the information.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Is_there_a_fee_associated_with_checking_the_credit_score_using_a_PAN_card\"><\/span>Is there a fee associated with checking the credit score using a PAN card?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Basic annual credit reports are available free of cost. Additional premium services may carry charges.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Does_applying_for_a_new_PAN_card_impact_your_CIBIL_score\"><\/span>Does applying for a new PAN card impact your CIBIL score?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">No. Applying for a new PAN card does not directly affect your credit score. However, you should ensure all lenders update your records correctly.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Checking your credit score regularly helps you understand your credit health before applying for a loan or credit card. If you want to check CIBIL score by PAN card, the process is simple and can be completed online within a few minutes. Your PAN card acts as a unique financial identifier that helps credit bureaus<\/p>\n","protected":false},"author":1,"featured_media":9642,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[164],"tags":[],"class_list":["post-9624","post","type-post","status-publish","format-standard","has-post-thumbnail","category-credit-score"],"_links":{"self":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts\/9624","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/comments?post=9624"}],"version-history":[{"count":1,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts\/9624\/revisions"}],"predecessor-version":[{"id":9625,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts\/9624\/revisions\/9625"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/media\/9642"}],"wp:attachment":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/media?parent=9624"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/categories?post=9624"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/tags?post=9624"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}