Hack of the day: Spot an unknown loan or credit card? Check your credit report

What it solves

• Detects loans or credit cards that don’t belong to you.
• Helps identify suspicious or fraudulent activity linked to your PAN.
• Protects your financial reputation and credit score from long-term damage.

Here’s how to check

1. Check Your Credit Report
   • Get your free credit report from an official bureau:
     • CIBIL
     • Experian
2. Review Active Accounts
   • Look carefully at all listed loans, credit cards, and recent enquiries.
   • Flag anything unfamiliar or unexpected.
3. Contact the Institution
   • If you spot an unknown entry, reach out to the bank or lender directly using their official customer care channels.
4. Raise a Dispute
   • File a dispute with the credit bureau to correct your report.
   • If fraud is suspected, lodge a complaint at cybercrime.gov.in.

Important note