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DiwaliIn the name of online offers during the festive season of PAN and cybercriminals Aadhar CardNew funds have been found to take 'fake loans' by misusing the Let's know how to check whether someone else has taken an instant loan in your name without your knowledge. Fake Loan Fraud:
Nowadays, instant loans are approved on digital platforms with just a few documents, which cyber crooks take advantage of. It is very important to check whether there is any unauthorized loan on your PAN card through online credit report and report fraud.
When do you know you're screwed?
Often people don't realize they have a loan in their name until the bank's debt collection officers call or their CIBIL score suddenly drops. This Diwali, how to check online in just two minutes if someone has imposed a loan on your PAN card without your knowledge, and where to report fraud.
How do cyber thieves cheat you?
Nowadays many fintech companies and instant loan apps approve loans in minutes just based on PAN and Aadhaar number. Cyber crooks get your PAN number through various data leaks or fake phishing links. Then by altering your photo or linking a fake mobile number they misuse the documents and collect loans.
This directly affects your credit profile. It means that you have never taken a loan, but the loan appears in your name. And non-payment of its installments will damage your CIBIL score. Further, when you really want a loan, the bank does not give you a loan.
Check loan status online in 2 minutes
You need to check your CIBIL or credit report to check if there is any unauthorized loan in your name. Use the following tech platforms for this.
1. CIBIL Website or Fintech Apps You can check the free annual credit report by visiting the official website of CIBIL.
Alternatively, go to reputable and secure apps like OneScore, Paytm, Google Pay, or Paisabazaar and click on 'Check Credit Score'.
Enter your PAN number, mobile number and name there and complete the verification (OTP).
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2. Analyze Credit Report After downloading your credit report, look for the 'Accounts' or 'Active Loans' section.
There you will see a list of all the small and large loans and credit cards currently open in your name.
If you see a loan that you didn't take (eg an instant loan of Rs 10,000 or Rs 20,000) on this list, then understand that you are a victim of cyber fraud.
What to do if cheated?
Contact Bank or Loan Company: Contact the authorized customer service center of the bank or finance company whose name appears on the credit report and inform them in writing about the fraudulent loan via e-mail.
CIBIL DISPUTE RESOLUTION: Go to Sybil's website and click on 'Raise a Dispute' option. Claim that the respective loan is not yours. CIBIL will remove the loan from your record after verification from the concerned bank.
Complaint on Cyber Crime Portal: File an official complaint of this fraud on the central government's cyber portal cybercrime.gov.in or call the National Cyber Helpline number 1930 and report the crime immediately.
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Go to your nearest police station and lodge an FIR regarding misuse of PAN card. The only way to avoid this is to have digital security during the festive season. Check your CIBIL report today and stay safe.