Credit Score Check Without PAN Card

To check credit report without PAN card, along with your latest credit score, follow the following steps:

Step 1: Go to the official credit bureau website of CIBIL, Experion, Equifax or CRIF High Mark.
Step 2: Click on the button to check free credit score and report.
Step 3: Enter your details in the form, including email ID and mobile number which will be verified via OTP.
Step 4: In the same form, select the ID Type of choice. If not PAN, then you can choose from alternative options like Passport, Voter ID, Driver’s Licence, etc. along with the respective ID number.
Step 5: Once the required details are submitted, you can view your latest credit score and download your credit report.

Your PAN is a unique 10-digit alphanumeric unique identifier and is generally used by credit bureaus to identify your credit profile. It acts as a primary key for credit bureaus because of the following features:

Accuracy: It ensures that your home loan, credit card payments, and personal loans are mapped to your credit profile specifically, ensuring your credit score remains accurate.

If you do not have your PAN details and wish to use alternatives to PAN for credit score check, credit bureaus like CIBIL generally also accept the following government-issued documents:

• • Passport
  • Voter ID
  • Driver’s License
  • Ration Card (in some cases)

Generally, you can check CIBIL score without PAN without any issue, however the following problems may arise in certain cases while using alternative documents to check your credit score:

• Multiple Profiles: Without a unique PAN, a bureau might accidentally create two separate credit reports for you.
• Missing History: If your bank or credit accounts are primarily linked to your PAN, credit bureau may struggle to find your credit records using alternative IDs.
• Failed Authentication: Instant digital identity checks might fail or take time without PAN as credit bureaus may find it harder to verify through alternative documents, leading to delayed access to your credit report.

To fix errors/issues in credit report without PAN:

If your PAN is not linked to your credit report, you can still fix errors in it through the standard dispute resolution procedure of the respective credit bureau. Raise the dispute by filling and submitting the form online and choose any alternative identity proof other than PAN which can be used to identify your credit activity.

To fix credit report issues arising because PAN card is not linked:

If your credit activities are not showing up because your PAN is not linked then first contact your lender and get your PAN details updated in their records. If the credit bureau has created multiple profiles, then ask its dispute resolution portal to merge them.

Suggested Read: How to Check CIBIL Score with PAN