CIBIL Transunion now offers one free CIBIL score/report per user per year. Many people do not know that they can check CIBIL score by PAN card online for free. It is 2018 and one no longer needs to pay for checking their credit score and report. While some pay to check their credit report, some others get alternative credit scores through 3rd party calculators which usually give an inaccurate representation. It is important to check CIBIL score often to ensure one is in good credit standing and that there are no errors being reported in their credit history.

Below, learn how to check CIBIL score by PAN Card number online for free (including CIBIL report). Apart from TransUnion CIBIL scores and reports, we also show how to schedule free credit reports from other credit bureaus such as Experian, Equifax, and CRIF HighMark.

How to check CIBIL score by PAN Card for FREE

    1. Follow link: Free CIBIL Score and Report Onlinecheck cibil score by pan card
    2. There are three main steps in the process:
      • Basic Information
      • Authentication using 3-5 questions
      • Report Access
    3. Gather required personal information:
      • PAN Card: Below, please see the key PAN card info that you will need
        How to read PAN card
      • Address, Income, Contact info
    4. Fill out basic information
    5. In the following page, more personal information is collectedonline free CIBIL report form
    6. You will be asked if you want a paid CIBIL report subscription. You can say NO.
    7. Authenticate yourself by answering 3-5 questions about your Loans & Credit cards
    8. Once you authenticate yourself, you will have access to CIBIL Score and Report online
    9. If your CIBIL score is low, use our simple checklist to improve your credit score

The process to check CIBIL score by PAN card directly with CIBIL TransUnion website is fairly easy and the best way to do so. We do not recommend using 3rd party sites offering free credit score report.

Free Credit Score Check from Experian, Equifax, and HighMark

In case you want to check your credit score more than once a year,it is possible to schedule one free credit report per quarter. For example (January: CIBIL, April: Equifax, July: Experian, October: HighMark). Please follow the below links:

Is PAN card the only way to check CIBIL score?

No. You can also check your CIBIL score using other identity documents including your Aadhar number and Drivers License details. If in the past, you have gotten a credit card or loan using above details, your records may be stored against your Aadhar card identity. However, increasingly with banks requiring PAN card for all loan and credit applications, one may need a PAN card for a new credit application.

Check CIBIL score without PAN card

If you do not have a PAN card, follow the below steps to get your free CIBIL score and report:

  1. Follow link: Free CIBIL Score and Report Online
  2. Under Tell us about yourself, you can click ‘No PAN?’
  3. Fill in the required details such as Full name, DOB, etc
  4. Choose the identity proof that you would like to use and fill in the details
  5. Full in personal contact details such as Address and Email ID
  6. You will then get your credit score and report access

FAQ – Check CIBIL score by PAN Card

  1. What is Credit Score?
    A credit score is a credit rating given by an approved credit bureau on the credit worthiness of a customer based upon the customer’s past credit usage and history.
  2. Who can give credit score?
    In India, one of the 4 RBI approved credit bureaus is able to give credit scores and reports. In this regard, all banks and NBFC’s are mandated to periodically update all the 4 credit bureaus with all credit data of all banking customers. The 4 credit bureaus in India are CIBIL TransUnion, Equifax, Experian, and CRIF Highmark.
  3. Is CIBIL score the same as credit score?
    CIBIL score is the credit score given by one of the 4 RBI approved credit bureaus, CIBIL TransUnion. However, CIBIL score is not the same as credit score. It is one of the 4 credit scores given by credit bureaus in India.
  4. What is CIBIL?
    CIBIL TransUnion is one of the four RBI approved credit bureaus in India that gets data from all RBI approved banks regarding customer credit data. CIBIL can be abbreviated as Credit Information Bureau India Limited.
  5. What does CIBIL do?
    CIBIL gives creditworthiness data to banks of two types of borrowers: Consumers and Business borrowers. Consumers are provided Consumer CIBIL Report while businesses are provided Commercial CIBIL Report.
  6. What is a CIBIL score?
    A CIBIL score is a 3 digit numeric score between 300 to 900 that reflects the quality of one’s creditworthiness. Per RBI Rules, all banks are required to report all credit related data to all the 4 credit bureaus. Then, CIBIL compiles all this data to understand customer credit patterns and establish a customer credit history and credit score. Banks use the credit score to judge the creditworthiness of all borrowers.
  7. What is a CIBIL report?
    A CIBIL report is a detailed history of one’s credit and loan behavior.
  8. Why should I check my CIBIL score?
    Customers should check their CIBIL scores so that they are aware of their credit standing. It will help them maintain a good CIBIL score and know when their score changes.
  9. Can I check CIBIL score by PAN card?
    Yes, one can easily check their CIBIL score by PAN card with any of the 4 credit bureaus.
  10. Why is my PAN Card required?
    Your PAN Card is required because all credit scores are matched to unique PAN card number. PAN Card serves the purpose of documentation for ID proof, address proof, and financial documentation.
  11. Do all banks check for CIBIL score?
    By RBI requirements, all banks and NBFC’s registered per RBI norms are required to use credit scores and credit reports from one of the 4 RBI approved bureaus
  12. What if I do not have a PAN card?
    If one does not have a PAN Card, they can request CIBIL to use their Aadhaar Card instead.
  13. What is the range of CIBIL scores?
    CIBIL scores range from 300 to 900, 300 being the lowest possible to 900 being the highest.
  14. What is a good CIBIL score?
    A score above 750 is considered excellent. Such a score will help one to qualify for the best credit terms and get shorter approval times.
  15. What is a bad CIBIL score?
    A Credit score below 650 is generally considered a poor credit score. A person with a poor credit score can improve their credit score by working towards healthy credit habits including repaying any overdue debt, paying bills on time, and reducing credit utilization.
  16. Why is CIBIL score check FREE? Are there any strings attached?
    Per an RBI mandate, all the four approved credit bureaus are required to provide one free credit report per year to customers. So, CIBIL is required to provide a free credit score to customers once a year. No strings attached.
  17. What is a CIBIL paid subscription?
    CIBIL allows you to get more than one credit report per year in the form of a subscription. Here are the different subscriptions available:

    • One report – Costs INR 550
    • Twice a year – 2 Reports cost INR Rs 800
    • Once a quarter – 4 Reports cost INR 1200
  18. What factors affect CIBIL score?
    There are four main factors that affect the calculation of CIBIL scores. Here is the breakdown:

    • Past credit history and usage (30%)
    • Credit Utilization Pattern (25%)
    • Duration of loans, Type of loans and defaults (25%)
    • Past credit enquiries (20%)
  19. How can I improve my credit score if I have a low score?
    If you have a low credit score, you can definitely improve your score by being more watchful of below things:

    • Review your credit report frequently to make sure there are no errors
    • Make payments on time every period
    • Reduce credit utilization rate (Amount of credit used as a percentage of Total credit available)

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