CreditMantri Finserve Private Limited
Door No.3, Block B, No. 147, Workeasy Space Solutions, RK Swamy Centre, Hansa Building, Pathari Road,Thousand Lights, Chennai, Tamil Nadu600006
Have any queries? Click here for more details
All written queries will be responded within 1 working day.
We'd love to help you through every step along the way.
Is your Credit Score >750?
Get answers to commonly asked questions related to credit bureaus
Credit score is one of the most crucial factors that determine or affect one’s ability to get loans or credit cards. The credit score is the evaluation of the creditworthiness of a person. It helps the lenders to ascertain whether the loan can be provided to the applicant and assures the viability of the credit provided to them.
If the credit score of a person is low, it implies that he/she is a risky candidate for providing loans and the chance of default is relatively high. On the other hand, if the credit score of a person is good or high - he/she can get any loan product with much ease and also at a lower rate of interest, or for a higher amount and longer tenure.
It is therefore essential to maintain a good credit score to ensure you can get a loan or credit card easily without any hassles and at any point of time.
Credit score of a person is issued by an authorised credit bureau in India and the score is valid and accepted by all the lenders and credit reviewing authorities. India has four major credit score issuing agencies that provide credit ratings or credit score of individuals. These agencies are,
Of these agencies, CIBIL™ is the most popular. Let’s check how to find your latest CIBIL™ score using your PAN card.
One of the easiest ways to check the credit score of a person issued by CIBIL™ is using the PAN Card. The PAN card is the official identity card issued by the Income Tax Authorities in India. It is one of the most important documents held by a person and can be used as a KYC document for various purposes.
PAN Card is linked with various financial documents of a person like IT returns, bank statements, etc and thus has the most accurate information about the financial status of the person.
A person can check the credit score for free once a year on the website of CIBIL™ or can get a subscription to check the credit score at regular intervals. The process or the steps to check the credit score issued by CIBIL™ through PAN Card are mentioned below.
Check credit score for free
The steps to check the credit score through PAN free of charge are,
Check credit score through subscription
Applicants can also take a subscription to get the credit score on regular intervals like on a quarterly basis, half-yearly basis or annually. The steps for the same are,
1. What is considered to be a good credit score?
A. A good credit score is anything above 700. Having a good credit score makes it easy to get a loan or credit card at the best interest rates.
2. What are the factors that affect the CIBIL™ score of a person?
A. There are many factors that affect the CIBIL™ score of a person. The major factors are
3. Can checking the credit score through PAN Card affect it?
A. No. Checking the credit score using your PAN will not affect it, because it is a soft inquiry. You can check your credit score any number of times.
4. What is the CIBIL™ score if a person has a new PAN Card?
A. Generally, a person who is just getting started with credit will have no credit score. As you use credit responsibly, your credit score increases over time.
5. Can a person check the CIBIL™ score online without hurting it?
A. Yes. A person can check the credit score online without damaging it. You can check your CIBIL™ score once a year for free via the CIBIL™ website.