By Admin 
In the digital age, PAN card has become your biggest financial identity. But if someone misuses your PAN card, i.e. opens a loan or credit card in your name without permission, then your credit history and ability to take future loans can be adversely affected. Recently, such complaints have also increased rapidly due to which RBI has instructed banks and NBFCs to follow strict rules. Apart from the rules of RBI, it is very important to be alert for your own safety to avoid this fraud related to pen. In such a situation, today we will tell you whether anyone has taken a loan on your PAN card and how you can check it.
How to know whether someone has taken a loan on PAN card or not?
Credit report is considered to be the most reliable way to know the information about the loan or credit card running on your PAN card. This credit report from CIBIL / Experian / Equifax keeps a record of all the loans, credit cards and inquiries made in your name. With this, your credit report is also considered a document that keeps an eye on every financial activity of the PAN card.
How to check credit report?
You can check your credit report to find out whether anyone has taken a loan on your PAN card or not. To check credit report, you can visit the websites of these credit bureaus. On this website you can download your credit report for free. For this you just have to provide basic information like PAN number and mobile number. At the same time, it is clearly written in this report which accounts are active in your name, which loans are running in your name and which institutions have inquired about your PAN.
Keep some special things in mind while viewing credit report
According to RBI, some special things have to be kept in mind while checking the credit report. In which first of all you should see that any such loan or credit card is not visible in your report for which you have never applied. Apart from this, check that your account number or bank company name is not wrong. Also check in the report whether there is any credit inquiry which you have not approved. If you see any of these things in your report, consider it a red flag and take immediate action, otherwise your credit score may be affected.
What to do if you get a fake loan?
- If you see fake loans in the report, there is no need to panic. For this, first of all you should contact the lender i.e. Bank-NBFC, in whose name the loan is visible and tell them that it is a fraud.
- Apart from this, lodge an online complaint with the same credit bureau. So that he can amend the report. For this, proof of identity card and affidavit is necessary.
- After this, go to the cyber crime cell of the nearest police station and register. This legal action will be useful to you in future also. You should also keep all the documents like copy of PAN card, receipt of complaint, email or message safe.
How to keep PAN card safe?
- To keep the PAN card safe, do not share the PAN number on any unknown website, app or WhatsApp message.
- Apart from this, when giving a photocopy of PAN card to someone, write a signature on it only for checking.
- Apart from this, keep strong passwords for bank accounts and apps and keep SMS-email alerts on.
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