You can find out where your PAN card is linked. Know how
A credit report is considered a way to determine where your PAN card has been used. Credit bureaus like CIBIL, Experian, and CRIF High Mark keep records of all loans and credit taken in your name.
Today, the PAN card is not just a document for filing taxes or opening a bank account; it has also become a crucial document for your identity and financial security. More than half of financial transactions, including large-scale transactions, loans, credit cards, property purchases, and investments, require a PAN card. But have you ever wondered where your PAN card is being used and whether someone else is taking advantage of it?
Many such cases have come to light in the past where people's PAN cards were being used in places they were unaware of. So, let us tell you today how you can find out where your PAN card is linked.
How to find out where your PAN card is linked?
A credit report is considered the easiest and most reliable way to find out where your PAN card has been used. Credit bureaus like CIBIL, Experian, Equifax, and CRIF High Mark keep records of all loans and credits taken in your name. You can visit these websites and request a free or paid credit report by entering your PAN and mobile number.
How to get a credit report from home?
To get a credit report from home, first open the website of a credit bureau like CIBIL, Experian, or Equifax.
Select the option to check your credit report or free credit score.
Fill in your details like your name, date of birth, address, and PAN number.
You may have to pay for the report on some websites, while others offer free trials.
After clicking on this, you can view your credit report. It will show you which loans are active in your name, from which bank, when, and for what amount.
What to do if your PAN card is misused?
If you notice any discrepancies in your PAN card's credit report, indicating that your PAN card is being used incorrectly, contact the relevant bank or institution immediately. You can also file an FIR with the police or report it to cybercrime. You can also inform the Income Tax Department. Also, regularly check your credit report.
Check Aadhaar-PAN Linking:
According to government guidelines, linking your PAN card to your Aadhaar card is mandatory. To check whether your PAN card is linked to your Aadhaar card, visit the Income Tax e-filing portal. Enter your PAN and Aadhaar numbers. Click on View Link Aadhaar Status, and the link status will be displayed on the screen. Keep in mind that if your PAN card is not linked to Aadhaar, your financial transactions may be hampered or your PAN card may be deactivated.
