{"id":13006,"date":"2025-06-05T10:05:39","date_gmt":"2025-06-05T10:05:39","guid":{"rendered":"https:\/\/shoolini.online\/blog\/?p=13006"},"modified":"2025-06-18T05:24:21","modified_gmt":"2025-06-18T05:24:21","slug":"credit-score-and-cibil-score","status":"publish","type":"post","link":"https:\/\/shoolini.online\/blog\/credit-score-and-cibil-score\/","title":{"rendered":"CIBIL Score Explained: How to Check, Improve & Track It Online"},"content":{"rendered":"\t\t
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Your credit score is pretty important. It\u2019s what banks look at to figure out if they should give you a loan or a credit card. In India, one of the most popular scores you\u2019ll hear about is the CIBIL score.<\/div>
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In this blog, we\u2019ll break down what a CIBIL score is, difference between Credit score and CIBIL score, and how you can check it\u2014especially using PhonePe. Plus, we\u2019ll go over whether checking your score affects it, how you can boost it, and how to look up loans with your PAN card.<\/div>
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This is an easy guide to help you get a better grip on your credit score!<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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What is Credit Scores and CIBIL Score?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"Infographic\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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What\u2019s a Credit Score?<\/strong><\/h3>
A credit score is basically a number that tells lenders how well you manage credit. It\u2019s based on your history with loans and credit cards. Banks look at this score to decide whether to give you a loan or a credit card. Typically, it falls between 300 and 900. The higher your score, the better your chances of getting approved for credit.<\/div>

What\u2019s a CIBIL Score?<\/h3>
A CIBIL score is a specific kind of credit score in India. It comes from CIBIL (which stands for Credit Information Bureau India Limited).<\/span> Just like the regular credit score, it also ranges from 300 to 900. Most banks in India rely on the CIBIL score to check how healthy your credit situation is. Generally, if your score is over 750, that\u2019s considered pretty good!<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Difference Between Credit Score and CIBIL Score\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"Infographic\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Are They the Same?<\/h3>
Nope, they’re not the same thing. A credit score is just a broad term for your credit rating, while the CIBIL score is a specific type of credit score you find in India.<\/span><\/div>

Why the Confusion?<\/h3>
A lot of folks mix up these terms because CIBIL is the biggest credit bureau in India. But there are also other bureaus, like Experian and Equifax, that provide credit scores too. So, basically, the CIBIL score is a type of credit score, but not all credit scores are CIBIL scores.<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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How to Check Your CIBIL Score\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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You can check your CIBIL score in a few ways.<\/span>
<\/span> First, visit the official CIBIL website<\/a><\/strong>. You will need to make an account. Then you can view your score online.<\/span>
<\/span> Second, use a bank\u2019s net banking or mobile app. Some banks offer a free CIBIL score check.<\/span>
<\/span> Third, try other credit bureaus or financial websites. They often give free basic reports. Just register and fill in your details.<\/span><\/p>

How to Check CIBIL Score in PhonePe (Step-by-Step Guide)<\/b><\/h4>
  1. Open the PhonePe app on your phone.<\/span><\/li>
  2. Tap on the \u201cMy Money\u201d tab at the bottom.<\/span><\/li>
  3. Scroll down and tap \u201cCIBIL Score.\u201d<\/span><\/li>
  4. You\u2019ll see a form to fill in basic details (name, PAN, etc.).<\/span><\/li>
  5. Enter your details and agree to the terms.<\/span><\/li>
  6. Tap \u201cSubmit.\u201d<\/span><\/li>
  7. PhonePe will verify your information.<\/span><\/li>
  8. After verification, your CIBIL score appears on the screen.<\/span><\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    \n\t\t\t\t\t\r\n\r\n\r\n \r\n \r\n Shoolini Online Programs<\/title>\r\n <style>\r\n \r\n\r\n .programs-section::before {\r\n content: '';\r\n position: absolute;\r\n top: -50%;\r\n right: -20%;\r\n width: 600px;\r\n height: 600px;\r\n background: radial-gradient(circle, rgba(255, 255, 255, 0.1) 0%, transparent 70%);\r\n border-radius: 50%;\r\n z-index: 1;\r\n }\r\n\r\n .programs-section::after {\r\n content: '';\r\n position: absolute;\r\n bottom: -30%;\r\n left: -10%;\r\n width: 400px;\r\n height: 400px;\r\n background: radial-gradient(circle, rgba(255, 255, 255, 0.08) 0%, transparent 70%);\r\n border-radius: 50%;\r\n z-index: 1;\r\n }\r\n\r\n .container {\r\n max-width: 1200px;\r\n margin: 0 auto;\r\n position: relative;\r\n z-index: 2;\r\n }\r\n\r\n .programs-content {\r\n background: rgba(255, 255, 255, 0.95);\r\n backdrop-filter: blur(10px);\r\n border-radius: 16px;\r\n padding: 35px 40px;\r\n box-shadow: 0 10px 30px rgba(0, 0, 0, 0.15);\r\n border: 1px solid rgba(255, 255, 255, 0.5);\r\n display: flex;\r\n align-items: center;\r\n justify-content: space-between;\r\n gap: 30px;\r\n transition: all 0.3s ease;\r\n position: relative;\r\n overflow: hidden;\r\n }\r\n\r\n .programs-content::before {\r\n content: '';\r\n position: absolute;\r\n top: 0;\r\n left: -100%;\r\n width: 100%;\r\n height: 100%;\r\n background: linear-gradient(90deg, transparent, rgba(253, 29, 29, 0.1), transparent);\r\n transition: left 0.6s ease;\r\n }\r\n\r\n .programs-content:hover::before {\r\n left: 100%;\r\n }\r\n\r\n .programs-content:hover {\r\n transform: translateY(-5px);\r\n box-shadow: 0 30px 80px rgba(0, 0, 0, 0.15);\r\n }\r\n\r\n .text-content {\r\n flex: 1;\r\n z-index: 2;\r\n }\r\n\r\n .main-title {\r\n font-size: 2.2rem;\r\n font-weight: 700;\r\n color: #1a1a1a;\r\n line-height: 1.2;\r\n margin-bottom: 15px;\r\n background: linear-gradient(135deg, #fd1d1d 0%, #ff4cec 100%);\r\n -webkit-background-clip: text;\r\n -webkit-text-fill-color: transparent;\r\n background-clip: text;\r\n animation: fadeInUp 0.8s ease-out;\r\n }\r\n\r\n .subtitle {\r\n font-size: 1rem;\r\n color: #666;\r\n margin-bottom: 0;\r\n animation: fadeInUp 0.8s ease-out 0.2s both;\r\n }\r\n\r\n .features {\r\n display: none;\r\n }\r\n\r\n .feature {\r\n display: flex;\r\n align-items: center;\r\n gap: 10px;\r\n color: #2e7d32;\r\n font-weight: 500;\r\n }\r\n\r\n .feature-icon {\r\n width: 20px;\r\n height: 20px;\r\n background: #ff6b35;\r\n border-radius: 50%;\r\n display: flex;\r\n align-items: center;\r\n justify-content: center;\r\n font-size: 12px;\r\n color: white;\r\n }\r\n\r\n .cta-section {\r\n flex-shrink: 0;\r\n text-align: center;\r\n z-index: 2;\r\n }\r\n\r\n .cta-button {\r\n display: inline-flex;\r\n align-items: center;\r\n gap: 10px;\r\n background: linear-gradient(135deg, #fd1d1d 0%, #ff4cec 100%);\r\n color: white;\r\n padding: 14px 24px;\r\n border-radius: 50px;\r\n text-decoration: none;\r\n font-weight: 600;\r\n font-size: 1rem;\r\n transition: all 0.3s ease;\r\n box-shadow: 0 6px 20px rgba(253, 29, 29, 0.3);\r\n position: relative;\r\n overflow: hidden;\r\n animation: fadeInUp 0.8s ease-out 0.6s both;\r\n }\r\n\r\n .cta-button::before {\r\n content: '';\r\n position: absolute;\r\n top: 0;\r\n left: -100%;\r\n width: 100%;\r\n height: 100%;\r\n background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.2), transparent);\r\n transition: left 0.5s ease;\r\n }\r\n\r\n .cta-button:hover::before {\r\n left: 100%;\r\n }\r\n\r\n .cta-button:hover {\r\n transform: translateY(-2px);\r\n box-shadow: 0 15px 40px rgba(253, 29, 29, 0.4);\r\n background: linear-gradient(135deg, #e01818 0%, #e642d8 100%);\r\n }\r\n\r\n .arrow-icon {\r\n transition: transform 0.3s ease;\r\n }\r\n\r\n .cta-button:hover .arrow-icon {\r\n transform: translateX(5px);\r\n }\r\n\r\n .stats {\r\n display: none;\r\n }\r\n\r\n .stat {\r\n text-align: center;\r\n }\r\n\r\n .stat-number {\r\n font-size: 1.5rem;\r\n font-weight: 700;\r\n color: #2e7d32;\r\n display: block;\r\n }\r\n\r\n .stat-label {\r\n font-size: 0.9rem;\r\n color: #666;\r\n margin-top: 5px;\r\n }\r\n\r\n @keyframes fadeInUp {\r\n from {\r\n opacity: 0;\r\n transform: translateY(30px);\r\n }\r\n to {\r\n opacity: 1;\r\n transform: translateY(0);\r\n }\r\n }\r\n\r\n @media (max-width: 768px) {\r\n .programs-content {\r\n flex-direction: column;\r\n text-align: center;\r\n padding: 25px 20px;\r\n gap: 20px;\r\n }\r\n\r\n .main-title {\r\n font-size: 1.8rem;\r\n }\r\n\r\n .programs-section {\r\n padding: 30px 15px;\r\n }\r\n }\r\n\r\n @media (max-width: 480px) {\r\n .main-title {\r\n font-size: 1.5rem;\r\n }\r\n\r\n .subtitle {\r\n font-size: 0.9rem;\r\n }\r\n\r\n .programs-content {\r\n padding: 20px 15px;\r\n }\r\n }\r\n\r\n \/* Floating particles animation *\/\r\n .floating-particles {\r\n position: absolute;\r\n width: 100%;\r\n height: 100%;\r\n top: 0;\r\n left: 0;\r\n pointer-events: none;\r\n z-index: 1;\r\n }\r\n\r\n .particle {\r\n position: absolute;\r\n background: rgba(255, 255, 255, 0.6);\r\n border-radius: 50%;\r\n animation: float 6s ease-in-out infinite;\r\n }\r\n\r\n .particle:nth-child(1) {\r\n width: 4px;\r\n height: 4px;\r\n top: 20%;\r\n left: 10%;\r\n animation-delay: 0s;\r\n }\r\n\r\n .particle:nth-child(2) {\r\n width: 6px;\r\n height: 6px;\r\n top: 60%;\r\n right: 15%;\r\n animation-delay: 2s;\r\n }\r\n\r\n .particle:nth-child(3) {\r\n width: 3px;\r\n height: 3px;\r\n bottom: 30%;\r\n left: 20%;\r\n animation-delay: 4s;\r\n }\r\n\r\n @keyframes float {\r\n 0%, 100% {\r\n transform: translateY(0px) rotate(0deg);\r\n opacity: 0.7;\r\n }\r\n 50% {\r\n transform: translateY(-20px) rotate(180deg);\r\n opacity: 1;\r\n }\r\n }\r\n <\/style>\r\n<\/head>\r\n<body>\r\n <section class=\"programs-section\">\r\n <div class=\"floating-particles\">\r\n <div class=\"particle\"><\/div>\r\n <div class=\"particle\"><\/div>\r\n <div class=\"particle\"><\/div>\r\n <\/div>\r\n \r\n <div class=\"container\">\r\n <div class=\"programs-content\">\r\n <div class=\"text-content\">\r\n <h2 class=\"main-title\">Explore our online programs to become future-ready<\/h2>\r\n <p class=\"subtitle\">Transform your career with industry-aligned courses designed by experts.<\/p>\r\n <\/div>\r\n\r\n <div class=\"cta-section\">\r\n <a href=\"https:\/\/apply.shoolini.online\/\" class=\"cta-button\">\r\n View All Courses\r\n <span class=\"arrow-icon\">\u2192<\/span>\r\n <\/a>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/section>\r\n<\/body>\r\n<\/html>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c92bf20 elementor-widget elementor-widget-heading\" data-id=\"6c92bf20\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Does Checking CIBIL Score Reduce It?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b3f5a0a elementor-widget elementor-widget-image\" data-id=\"b3f5a0a\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/shoolini.online\/blog\/wp-content\/uploads\/2025\/06\/section03-1024x683.webp\" class=\"attachment-large size-large wp-image-13024\" alt=\"Infographic explaining that checking your CIBIL score is a soft inquiry that does not reduce your score, contrasted with hard inquiries when applying for credit which can lower it. Includes sections labeled 'Soft Inquiry' (user checking own score, harmless) and 'Hard Inquiry' (bank reviewing loan or card application, may reduce score). Also shows safe monitoring tips: use trusted apps or websites, check quarterly, set reminders, and sign up for alerts to report errors immediately.\" srcset=\"https:\/\/shoolini.online\/blog\/wp-content\/uploads\/2025\/06\/section03-1024x683.webp 1024w, https:\/\/shoolini.online\/blog\/wp-content\/uploads\/2025\/06\/section03-300x200.webp 300w, https:\/\/shoolini.online\/blog\/wp-content\/uploads\/2025\/06\/section03-768x512.webp 768w, https:\/\/shoolini.online\/blog\/wp-content\/uploads\/2025\/06\/section03-1536x1024.webp 1536w, https:\/\/shoolini.online\/blog\/wp-content\/uploads\/2025\/06\/section03-150x100.webp 150w, https:\/\/shoolini.online\/blog\/wp-content\/uploads\/2025\/06\/section03.webp 1900w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b0d4ec9 elementor-widget elementor-widget-text-editor\" data-id=\"2b0d4ec9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Checking your own CIBIL score does <\/span><b>not<\/b><span style=\"font-weight: 400;\"> lower it. This is called a <\/span><b>soft inquiry<\/b><span style=\"font-weight: 400;\">. Only <\/span><b>hard inquiries<\/b><span style=\"font-weight: 400;\"> can affect your score. Hard inquiries happen when you apply for a loan or credit card.<\/span><\/p><h4><b>Hard vs Soft Inquiries<\/b><\/h4><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Soft Inquiry<\/b><span style=\"font-weight: 400;\">:<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><ul><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">You check your own score.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Banks or apps give you your score.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Does not harm your score.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><\/ul><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Hard Inquiry<\/b><span style=\"font-weight: 400;\">:<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><ul><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">You apply for credit, like a loan or card.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Banks check your score.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Can lower your score by a few points.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><\/ul><\/li><\/ul><h4><b>Safe Ways to Monitor Your Score<\/b><\/h4><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Use trusted apps or websites.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Check only when needed, not daily.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Set reminders to check once a quarter.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sign up for alert services. They notify you of big changes.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If you see errors, report them right away.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ba45a12 elementor-widget elementor-widget-heading\" data-id=\"ba45a12\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How to Improve Your CIBIL Score\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22f9ed10 elementor-widget elementor-widget-text-editor\" data-id=\"22f9ed10\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4><b>Tips to Improve Your CIBIL Score<\/b><\/h4><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pay EMIs and credit card bills on time.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Use only up to 30% of your credit limit.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Keep old credit cards active.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pay off existing loans on schedule.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Apply for new credit sparingly.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Check your credit report for errors and fix them.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><\/ul><h4><b>Common Mistakes to Avoid<\/b><\/h4><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Paying bills late or missing payments.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Using too much of your available credit.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Applying for multiple loans or cards at once.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ignoring mistakes in your credit report.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Paying only the minimum amount due.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Overdrawing or maxing out a loan.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f1386f4 elementor-widget elementor-widget-heading\" data-id=\"2f1386f4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How to Check Loan on PAN Card<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ebf9c7b elementor-widget elementor-widget-text-editor\" data-id=\"3ebf9c7b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4><b>How to Find Active Loans Using PAN<\/b><\/h4><p><span style=\"font-weight: 400;\">Your PAN is a unique ID. It links all your financial records. To see active loans linked to your PAN:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Visit a credit bureau\u2019s site (like CIBIL).<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Create or log in to your account.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Enter your PAN and personal details.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Request your credit report.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The report shows all ongoing loans and their status.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">You can also check with your bank. Many banks link loan accounts to PAN. Ask your bank to share loan details against your PAN.<\/span><\/p><h4><b>Tools and Portals You Can Use<\/b><\/h4><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>CIBIL (TransUnion CIBIL)<\/b><span style=\"font-weight: 400;\">: Official site to get your credit report using PAN.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Experian<\/b><span style=\"font-weight: 400;\">: Another credit bureau that shows loans tied to your PAN.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Equifax<\/b><span style=\"font-weight: 400;\">: Offers a similar report with PAN-linked loans.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Paisabazaar \/ BankBazaar<\/b><span style=\"font-weight: 400;\">: Financial marketplaces that let you view your credit report for free.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>PhonePe<\/b><span style=\"font-weight: 400;\">: Inside \u201cMy Money,\u201d you can check your credit profile. It shows loans linked to PAN.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Credit Mantri<\/b><span style=\"font-weight: 400;\">: Provides a free credit report that lists active loans by PAN.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Use any one of these portals. They all require your PAN and basic KYC details. After verification, you\u2019ll see a list of loans active on your PAN card.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-324a4af8 elementor-widget elementor-widget-heading\" data-id=\"324a4af8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Conclusion<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b4eb3a8 elementor-widget elementor-widget-text-editor\" data-id=\"b4eb3a8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Having a solid CIBIL score can really help you get better loan deals and keep your finances on track. You can easily check your score on PhonePe or other reliable apps, and don’t stress it\u2014checking won’t lower your score. Just make sure to pay your bills on time, try to keep your credit usage under 30%, and check your credit report now and then to spot any mistakes. If you stay on top of these things, your good credit score will set you up nicely for whatever you want to achieve in the future.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Your credit score is pretty important. It\u2019s what banks look at to figure out if they should give you a loan or a credit card. In India, one of the most popular scores you\u2019ll hear about is the CIBIL score.\u00a0In this blog, we\u2019ll break down what a CIBIL score is, difference between Credit score and […]<\/p>\n","protected":false},"author":16,"featured_media":13052,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[3154,3162,3161,3153,3152,3164,3163,3157,3155,3158,3159,3156,3160],"class_list":["post-13006","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-cibil-score","tag-credit-bureaus","tag-credit-report","tag-credit-score","tag-difference-between-credit-score-and-cibil-score","tag-equifax","tag-experian","tag-hard-inquiry","tag-how-to-check-cibil-score","tag-improve-cibil-score","tag-pan-card-loans","tag-phonepe-cibil-score","tag-soft-inquiry"],"_links":{"self":[{"href":"https:\/\/shoolini.online\/blog\/wp-json\/wp\/v2\/posts\/13006","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/shoolini.online\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/shoolini.online\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/shoolini.online\/blog\/wp-json\/wp\/v2\/users\/16"}],"replies":[{"embeddable":true,"href":"https:\/\/shoolini.online\/blog\/wp-json\/wp\/v2\/comments?post=13006"}],"version-history":[{"count":43,"href":"https:\/\/shoolini.online\/blog\/wp-json\/wp\/v2\/posts\/13006\/revisions"}],"predecessor-version":[{"id":13053,"href":"https:\/\/shoolini.online\/blog\/wp-json\/wp\/v2\/posts\/13006\/revisions\/13053"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/shoolini.online\/blog\/wp-json\/wp\/v2\/media\/13052"}],"wp:attachment":[{"href":"https:\/\/shoolini.online\/blog\/wp-json\/wp\/v2\/media?parent=13006"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/shoolini.online\/blog\/wp-json\/wp\/v2\/categories?post=13006"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/shoolini.online\/blog\/wp-json\/wp\/v2\/tags?post=13006"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}