A CIBIL Subscription entitles you to one free credit report annually to check your CIBIL Score. Subsequent checks require you to pick and pay for one of the paid plans available, depending on your needs. Unfortunately, though diverse, these subscription plans can quickly become prohibitively expensive over the long run. So, how can you effectively monitor your credit without compromising your budget? The Bajaj Finserv Credit Pass has got your back.
Benefits of Credit Pass
Powered by CIBIL, the Bajaj Finserv Credit Pass is a unique subscription service for all your credit management needs. The Credit Pass toolkit equips you with a host of features to up your credit game:
- Monthly score updates: Check your latest CIBIL Score every month as many times as you want without impacting your score negatively. This will help you identify trends and fluctuations so you can spot issues early. Addressing them promptly can help you safeguard your score.
- Real-time credit dashboard: With a comprehensive overview of all your credit accounts in one consolidated dashboard, you’ll have a complete credit snapshot for reference. Use it in conjunction with the practical tips provided to boost your score.
- Credit factors: Your credit score isn’t just a number. It’s calculated on the basis of certain key factors that have a contributing weightage, like your credit utilisation ratio and credit mix. These factors are based entirely on your credit habits. So, when you can track these factors regularly, you can amend your habits for the best possible outcome.
- Credit Health Report: With an in-depth summary of your credit history and repayment trends, it’s easier to spot areas needing improvement. Leveraging such valuable insights can help enhance your score over time.
- Credit Score Simulator: This premium tool can help you simulate ‘What-if’ scenarios. Predict how future credit decisions will influence your score to make informed choices that contribute favourably to your creditworthiness.
Credit Pass Through PAN card
What is the process to apply for Credit Pass? It’s a quick and simple process that can be seamlessly completed online. All you need is your PAN card Status.
- To begin, navigate to the Credit Pass page on the official website of Bajaj Finserv.
- At the top of the page, click on the ‘SEE YOUR CREDIT PASS’ option.
- You will now be directed to share your mobile phone number and verify it with an OTP.
- Next, share details like your name and PAN.
- Now, you must choose between the two available Credit Pass subscription plans, according to your needs:
- Standard: This plan is priced at Rs. 59 and is valid for a duration of 6 months.
- Premium: This plan is priced at Rs. 99 and is valid for a duration of 12 months.
- Once you’ve chosen, securely pay for your Credit Pass plan using one of the listed methods.
- Sign in with the 12-digit Credit Pass number assigned to you to begin using your Credit Pass benefits.
- Empowering yourself with the Credit Pass is the first step towards confident credit management. So, sign up today and secure your future finances.