December 16, 2024 · 19 mins read
Santosh Kumar
Next to physical and emotional health, credit health is an important buzzword in the modern world. As physical health is important to tackle illness, credit health is important to tackle financial emergencies in our lives. At times of financial emergencies, if your credit health is good, you can avail of loans or credit cards to smoothen your financial burden, and you never know when a financial emergency may hit you. So, following good financial practices to maintain good credit health is always good.
Your credit score defines your credit health. Various credit bureaus evaluate your credit score based on your past credit history, and CIBIL is one of the major credit bureaus that many lenders depend on to evaluate the creditworthiness of borrowers. This article is a guideline to understand what a CIBIL score is, its formula, how to check a CIBIL score without a mobile number, and tips to improve your CIBIL score.
The CIBIL score is a score that falls within the range of 300 and 900 and specifies the financial responsibility and the repayment capacity of an individual. If your score is higher, then you have a higher chance of getting credit products approved quickly and easily. On the other hand, if your score is low, lenders consider you a risky borrower who may not repay the credit bills or loan EMIs and hence may reject your application. Here is a detailed table of different ranges of CIBIL scores and what they specify.
CIBIL Score Range: 750 to 900
Where you stand: Excellent
What is the consequence: Your repayment history is excellent, and you are at the safest level to easily qualify for credit products. You can even bargain for better interest rates or longer tenure.
CIBIL Score Range: 650 to 750
Where you stand: Good
What is the consequence: Your repayment history is good enough to avail of loans at better interest rates.
CIBIL Score Range: 550 to 650
Where you stand: Average
What is the consequence: You might have missed or delayed a few payments in the past or would have made a financial mistake that has decreased your score. You can avail loans of lower amounts and higher interest rates.
CIBIL Score Range: 300 to 550
Where you stand: Poor
What is the consequence: You have serious repayment history issues, and lenders will consider you a high-risk borrower. Hence, they may reject your credit application or demand collateral as a safety measure to recoup the losses in case of payment default.
The above table is a common range of score limits. However, different lenders use different limits to decide upon credit product approval.
When you attempt to get your CIBIL score online, most Platforms — counting the official CIBIL entrance — will begin with an incentive for your mobile number. This is not irregular. It serves a few purposes:
Identity verification: Your mobile number is frequently connected with your monetary accounts and KYC records. OTP (One-Time Watchword) verification guarantees the individual checking the score is really you.
Fraud anticipation: Without a mobile number check, anybody might possibly get to your credit report with fair fundamental details.
Ongoing updates: Numerous entries send cautions for score changes, Loan offers, or suspicious exercises by means of SMS.
However, this OTP-based framework makes a barricade if your number isn’t enlisted or if you no longer have to get to it. That’s when individuals begin looking for ways on how to check CIBIL score without phone number or Alternate verification routes.
Yes — it’s conceivable, but not continuously direct. Your CIBIL profile can be confirmed utilizing other subtle elements like your PAN card, e-mail ID, or certain government-issued IDs.
You may moreover utilize bank entries or net banking account accounts, which can drag your credit report straightforwardly without an OTP to your mobile.
If you misplace your enrolled number, you can still investigate cibil score check without mobile number strategies — but the handle might require additional steps for verification.
Here’s a breakdown of diverse ways you can get your credit score without the normal Mobile OTP:
Many entries offer a check CIBIL score by PAN card without OTP choice. You enter your PAN, date of birth, and other individual subtle elements, and the framework confirms you from government databases.
Several Indian banks coordinated CIBIL to get inside their net keeping money entrances. Once logged in, your bank confirms you, so there’s no requirement for mobile OTP.
Some Platforms permit score recovery through mail affirmation. This works if your e-mail is enrolled with your monetary accounts.
In uncommon cases, banks or credit bureaus can deliver you your score individually if you give substantial ID proofs.
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If you’re pondering how to check credit scores in India without a mobile number, PAN cards are frequently the least difficult alternative.
Using PAN card:
1: Go to a CIBIL score provider’s website.
2: Select the cibil score check free online by PAN number option.
3: Fill in your PAN, date of birth, and other individual info.
4: Answer personality questions (like Loan amounts, account types) to confirm yourself.
1: Choose a stage that offers e-mail verification instead of mobile OTP.
2: Enter your e-mail and fundamental KYC details.
Both strategies bypass Mobile OTP but still require you to demonstrate personality securely. Checking CIBIL Score Via Internet banking an account or Bank Entries Without Mobile Number Many driving Indian banks — SBI, HDFC, ICICI, Axis, and others — have coordinated credit score checks into their online keeping money frameworks. This is the most straightforward way to get your cibil score without OTP if you’re as of now a customer.
Steps:
1: Log in to your bank’s net banking account account.
2: Look for “CIBIL Score” or “Credit Report” beneath services.
3: Accept assent terms for the bank to bring your report.
4: View your score immediately — no Mobile OTP required since your login qualifications as of now confirm your identity.
Some banks upgrade the score month to month, so you can track it frequently without additional logins.
If your Mobile number isn’t connected to your CIBIL account, you can still demonstrate your character utilizing Alternate government-issued reports. These act as KYC (Know Your Client) proofs, permitting CIBIL or accomplice banks to confirm your points of interest without depending on Mobile OTP authentication.
1: Passport: A strong personality verification with both photo and address details.
2: Voter ID: Broadly acknowledged for both personality and address verification.
3: Aadhaar card: Valuable when mail verification is conceivable instep of OTP to the connected mobile.
4: Driver’s permit: Substantial for both individual distinguishing proof and address proof.
5: Ration card: Acknowledged in a few bank branches, particularly for address verification.
To utilize these, you for the most part require to visit a bank branch or an authorized CIBIL accomplice in individual. You’ll fill out a CIBIL score as a frame, connect self-attested photocopies of your chosen ID, and some of the time give extra budgetary subtle elements for cross-checking.
This offline course is slower — handling can take a few days — but it’s a strong fallback if computerized verification comes up short. For individuals without Internet access or those who have misplaced their enrolled mobile number, this strategy guarantees they can still get their credit report securely.
Before diving into how to check CIBIL score, let’s get the answer for why do you need to check your CIBIL report regularly? First of all, you should know how creditworthy are you in the eyes of the lenders right? Secondly, only by knowing your current score, you can plan to improve it. And last but not the least, you should verify whether your data is correct. Lenders update the credit information once in a month. So, there are chances of a wrong update once in a month. So make it a practice to check your CIBIL score frequently.
Read More:: How Does Foreclosure Affect Your CIBIL Score?
To check your CIBIL score, first, you need to register on the CIBIL website. To register on the CIBIL website, you can provide a phone number and your basic details to complete the process. In this case, you will receive an OTP for verification. If you want to register with something other than your mobile number, then here is the process to register without a mobile number.
Using email ID and PAN Details to check CIBIL Score (without a mobile number)
If you don’t want to reveal your mobile number, you can use PAN card details to complete the authentication process and to get your CIBIL score.
Visit the CIBIL home page.
Click on the ‘Get Your Credit Score’ button on the top right corner of the page.
There will be different subscription plans. Compare the benefits of each and choose the one that best suits you.
Enter your details like PAN Card number, email address, Date of Birth and Gender.
After entering the captcha code, acknowledge the terms and conditions.
Now click on the 'Proceed to Payment' button and make the payment to complete the registration process.
Once registered, you will get your login credentials via email.
The registration process is a one-time process. You can log in to your account to check your CIBIL score and credit report. You will get updated reports based on the plan you have chosen. You can opt for a free CIBIL score check once a year. It is a good practice to check the credit score and credit report frequently and fix any issues as early as possible to maintain a healthy CIBIL score.
Like, following a healthy lifestyle is good for your body and mind, and following healthy financial practices is good for your credit health. Here are a few tips that you can easily adopt to ensure you are always within the good CIBIL score limit.
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Never miss or delay a payment is a cliché yet it is powerful advice to maintain a healthy CIBIL score. Many people miss or delay payment without knowing it is bad for their credit health, but due to lack of planning, they fall short of the amount or forget the due date. Hence, plan your budget wisely to have some reserve amount for bills and EMIs a month ahead. Also, it's human to forget. So get the help of technology. Set reminders or automate payments to ensure you are always on time regarding payments and bills.
You will have a credit limit for each credit account up to which you can use. Though you can use to that limit, it is advisable to avoid full utilisation of credit accounts as it mirrors how much you depend on your credits for managing your financial needs. Overly depending on credits is a negative point for your credit score and new credit approval process. Hence it is advisable to keep your credit utilisation around 30%. That doesn't mean you should never use the maximum limit. Trying different types of credits is good
Proving your credit management capacity, especially of different types of credits, is a positive aspect of the CIBIL score. So, dare to try different credit accounts whenever a need arises. The key is to promptly pay the bills. So don't apply for credit cards or loans that will be out of your budget limit. Having a wide range of credit mixes in your credit history is a factor that has the least effect on your CIBIL score. Hence, avoid applying for new credit products just to improve your CIBIL score.
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While considering applying for new credit products, check your score and only apply to a maximum of two lenders at a time. When you apply for a loan or credit card, the lender checks your credit score to make the lending decision, which will be considered a hard inquiry. Multiple hard inquiries in recent times are considered bad and negatively impact your CIBIL score. Also, you can check your CIBIL score before applying for loans or credit cards. If you are at the safe limits to avail of credit products, then you can apply or consider improving your score before applying for the credit product.
Yes, an older account with a good repayment history proves that you are good at making payments on time and consistently repaying the bills. If you plan to close a credit account as you feel that you don't need a higher credit limit, then you can downgrade, if possible, to keep the older account active.
Helping your friend or relative when in need is a good deed, but not always. So before co-signing for your acquaintances, check their creditworthiness and repayment possibility. Co-sign for the one whom you trust is capable of repaying the amount and will be responsible for paying back the credit bills on time. When you co-sign, you will also be considered responsible for any payment defaults, and hence, your CIBIL score will also be affected.
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Keep an eye on your CIBIL score and credit report so that if your score is beginning to fall, you can take the necessary steps to set it right. By frequently checking your CIBIL report and score, you can identify any errors in the payment history and correct them as early as possible. So make it a habit to at least check once or twice a year to ensure every information is right and your score is good enough to prove your creditworthiness.
Planning is everything. Before opting for credit products, analyse your current income and expenditure and decide whether or not you can pay the bills or EMIs on time. After getting your loan or credit card approved, plan your budget to reserve the bill amount in advance. Also, plan when to pay the bills and set reminders to avoid forgetting the due date. Plan your schedule for checking the credit score and report so that you will periodically check for errors without fail. Start using credit products as early as possible
Your credit score is calculated based on your credit history, and hence, staying away from credit products will make your credit score "NA." The NA CIBIL score, though not a negative aspect, is not proof of your creditworthiness, and hence, lenders may feel reluctant to approve credit products. So, start your credit journey as early as possible.
Read More:: What is the Use of CIBIL Score?
Maintaining a good CIBIL credit score has become a need in the modern world. Check your CIBIL score frequently and ensure that you are within safe limits. Now that you know how to check your CIBIL score without a mobile number, you can check your CIBIL score even without revealing your mobile number. Follow the tips mentioned to be proactive about your credit health and stay loan-eligible for any financial emergency.
Will checking my CIBIL score without a registered mobile number be considered a hard inquiry? No. You will register with your PAN card details to check your CIBIL score. If you check your CIBIL score, it will be considered a soft inquiry, which will not impact your credit score.
Only by checking the score will you be able to know how creditworthy you are from the lender's perspective. Also, by checking the CIBIL report, you can avoid any wrong information that will spoil your CIBIL score.
That depends on the bank's policy. However, a score of more than 650 is usually considered good for loan and credit card approval.
It is easy. Visit the CIBIL portal and initiate the dispute resolution process. Follow the instructions to report your problem. You will have to submit the documents to support your claim. The CIBIL authorities will investigate the problem with your lender, update the correct information, and revalidate the credit score if your claim is valid.
Yes, you can. CIBIL allows you to check your CIBIL score for free once a year. Register on the CIBIL website without a mobile number and then you can log in to check the score.
Payment details that are not updated or wrongly updated, closed accounts that are shown as active, personal details, contact details, and unwanted inquiries are a few of the wrong details that may affect your credit score. So frequently check your CIBIL report for all this information and raise a dispute if anything is wrong.
NA is a score given to newbies, i.e., individuals who have never taken out a loan or credit card. For newbies, there will be no credit history, and hence, a credit score cannot be calculated. Though the NA score is not a negative score, lenders will have no proof of your creditworthiness.
Yes, you can because CIBIL provides free credit scores for everyone who has a credit card. With CIBIL’s official website, one can get an accurate and up to date CIBIL score. You can use your PAN card number to check your CIBIL score as well.
Your PAN card or your Permanent Account Number is essential for most big loans or credit products. But you can still check your CIBIL score without a PAN card. You can use any of the following IDs if you don’t have a PAN card -
1: Passport
2: Voter ID
3: Ration card
4: Driver’s License
Please note that you will need to have any one of these documents with you or the ID number to verify yourself while checking your score.
To register on the CIBIL website without using a mobile number, you can use your PAN card details, email address, and date of birth to complete the registration process and access your CIBIL score and credit report.
You can check your CIBIL without OTP if you are logging in with PAN card, date of birth, Email ID. If you are using your phone number then of course you need OTP to verify.
You can check your CIBIL score for free by providing your PAN card details along with basic information such as your registered mobile number, date of birth, PIN code, and email address. This can be done quickly and without affecting your credit score.
To check you CIBIL score without using the phone number follow the below steps:
Step 1: Go to the official CIBIL portal https://www.cibil.com/freecibilscore
Step 2: Click on GET YOUR FREE CIBIL SCORE
Step 3: Provide personal details, including email ID, name, PAN card number, mobile number, etc. In this step, you will create an account with the portal.
Step 4: Authenticate using OTP.
Step 5: Check your credit score and download your credit report.
No, checking your CIBIL score without phone number doesn’t affect your credit worthiness, it helps you to find errors and fix your credit worthy.
Yes, you can check your CIBIL score by using your PAN card and other personal details by using third party sites like Bank bazzar, Paisa bazaar, NBFC institutions etc.
If you don’t have a registered mobile number for CIBIL verification, you can still use your PAN card, Email ID, Personal details to get your CIBIL score.
Yes, you can check CIBIL score using other ID proofs like PAN card, Voter ID, along with Email address.
Yes. You can utilize strategies like checking CIBIL score by PAN card without OTP, bank net keeping money entries, or in-person verification with ID documents.
You can utilize a PAN card, Passport, voter ID, driver’s permit, or Aadhaar (with e-mail verification instead of Mobile OTP).
Yes — a few entrances let you confirm by means of mail and send the report straightforwardly to your inbox.
Yes. If you’re an existing client with Internet banking an account, numerous banks permit cibil score checks without a mobile number through their portal.
You can upgrade your number with CIBIL, utilize email/PAN verification, or log in by means of your bank’s entrance. Looking at how to check CIBIL score without a phone number will appear numerous such strategies.
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