Your PAN finds your report; your OTP opens it
Lenders report each account with your PAN, so bureaus use it to match records to you. When you check your score on a bureau's site, you enter your PAN with your name and date of birth — and then the bureau sends an OTP to the mobile number linked to your credit records. Without that OTP (and sometimes a few identity questions), the report stays closed.
That is deliberate: a credit report holds your loans, cards, addresses and phone numbers.
How to check yours with PAN
- Go to a bureau's own site — CIBIL, Experian, Equifax or CRIF.
- Choose the free annual report and enter your PAN, name as on PAN, date of birth and mobile number.
- Enter the OTP and answer any identity questions.
- If no report is found, try the mobile number and spelling you gave your lenders; a missing match is the usual cause.
Can I check someone else's CIBIL score by PAN?
No — not without their consent. Only you, or a lender you have applied to and authorised, can pull your report. Websites or callers that promise anyone's score from a PAN number alone are either collecting data or running a scam.
Safety rules
- Never share the OTP from a bureau with anyone who calls or messages you.
- Don't upload your PAN to unknown "free score" sites.
- If your report shows an enquiry or a loan you never applied for, someone may be misusing your PAN: tell the lender, raise a dispute, and report it on the national cyber crime portal or helpline 1930.
Read more on staying safe in how to avoid loan fraud.
Oxon Fintech is a loan facilitation platform, not a credit bureau. We do not check, sell, repair or change credit scores; get your report from the bureaus' own websites. Rules as checked on the date above.