These days, Aadhaar cards are essential for everything. But did you know that fraudsters can also use your Aadhaar to obtain fraudulent loans in your name? You'll be left without even knowing it, and you'll become a debtor. Don't panic. You can easily find out from the comfort of your home.
The most reliable way to check your credit is your credit report (CIBIL report). This is your "financial horoscope." It contains a complete list of all the loans and credit cards, big or small, held in your name. It's crucial to check it.
Go to the official website of CIBIL, Experian, or Equifax (such as www.cibil.com). You can download your credit report for free once a year by entering your PAN card, Aadhaar number, and some basic information. Review the report carefully to ensure there are no unknown loans.
If the report shows a loan you didn't take, take immediate action. File a complaint on the RBI portal (sachet.rbi.org.in) or with the cybercrime cell of your nearest police station. The sooner you complain, the better.
Never share your Aadhaar number or OTP with strangers or over phone calls. Only perform Aadhaar verification on trusted websites or apps. Make it a habit to check your credit report regularly. A little caution can save you from major fraud.
Disclaimer: This content has been sourced and edited from TV9. While we have made modifications for clarity and presentation, the original content belongs to its respective authors and website. We do not claim ownership of the content.
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