With the emergence of digital lending, it is essential to know how to check my all loan details by PAN number. Because in many cases it has been found that some other people borrow with your Name using your PAN card and after the defaults, your credit score gets hampered. Therefore, you must be conscious of how many loans exist with your name or PAN number. And for that, you can check your details on different platforms, i.e., from different credit bureaus, through your fintech APP i.e., UPI and through the digital lending company’s website, especially while applying for the personal loan, they get all your details i.e., the status of the existing loan, and therefore, it is easy to check the existing loan and your credit score as well.
What is PAN Card misuse or fraud?
Ever since linking PAN and Aadhar has become essential it has become more risky, especially for those, who are not updated with their credit score or don’t check their credit score for at least once a month. The PAN card misuse can badly affect the credit score in that case. Therefore, it is essential to check the CIBIL with all the existing loans running with your name or PAN card. While misusing the credit card, the third person can do many things that can badly affect your CIBIL such as
- They can apply for personal loans or any other loan
- They can use your PAN as an identity proof during many activities
- They can Pay for fake accounts through your PAN card
- Another function like KYC for many financial usages
How to check my all loan details by PAN number
There are various ways that will help you check the details of all the existing loans and it can be done through different platforms and these are
Through the credit bureau website
To check your credit score and the status of your existing loan, you can use the websites of credit bureaus such as TransUnion CIBIL, Experian, Equifax, and CRIF High Mark. You can check your credit score through this website by following different steps.
- Go to the website of CIBIL
- Click on the “ Create Account” if you don’t have an existing account.
- Pay the fees which are charged to check the CIBIL score
- Check the score and get the information for existing loan
- Match all your details with your existing loan, in case of any fault, report it immediately.
Check your Existing loan through UPI
You can also check the existing loan details while checking CIBIL score with the UPI where you must have the App installed and registered through the mobile and linked account number and follow the steps to get the current credit score. You can do it through any App like Google Play, Paytm, PhonePe, etc.
- Install the App on your mobile and register through the mobile
- Go to the section: “Check credit score”
- Enter your PAN number
- Check all the details of your loan
- Match all the loans actually going on.
Check your loan details through the lender’s website
You can directly apply for the personal and get all loan details. To accomplish this process, follow the steps.
- Select the lender’s website
- Apply with the documents and upload your Aadhar and PAN card
- Get the feedback from lender
- Get the deatils of all loans and cross-check with your existing loan
Conclusion
With the emergence of multiple threats, it is essential to check the CIBIL score at least once a month because you can get the details that where your PAN and Aadhar have been used. Therefore, to check your existing loan, use different platforms like websites of credit bureaus, and fintech Apps like Google Pay, PhonePe, Paytm, etc where you can check them easily and can get the explicit details for the CIBIL and existing loan such a personal loan, vehicle loan, home loan etc. It will help you have a healthy Credit score and also it will be safe from any fraud..
