How to See Loans in My Name?

The loan is a very important financial tool that people use to progress financially. Whether it’s buying a new car or a new home, loans are necessary for you to meet your financial needs.

Sometimes, we may have multiple loans at the same time and we may lose track of the loan. In this article, we will discuss How to See Loans in My Name, and find Loans in your Name using Equifax, CIBIL, etc.

How to See Loans in My Name?

You can see your loans which are in your name from the credit report released by Credit Beauro. Credit Beauro maintains a record of the credit that you’ve taken.

The credit report provided by Credit Beauro is used by the bank to evaluate whether to give you a loan or not. Credit Beauro uses a marking scheme called Credit Score to evaluate a profile.

As per RBI Guidelines, you can get your credit score for free once a year from the credit bureau. The following is the list of steps that you can use to find out loans in your name using various Credit Beauro’s website-

Find out Loans in your Name using Equifax

The following are the steps that you’ll have to follow to find out the loans in your name using Equifax-

• Visit the official website of Equifax and click on the button on the above-right-hand corner of the page saying “Get a Free Credit Report”
• After clicking on the button, you’ll have to register yourself by providing details like your name, address, mobile number, email, etc.
• In the next step, you’ll have to authenticate your mobile number using an OTP sent to your mobile number
• For Email, you’ll receive an OTP on your email ID, authenticate it by entering the OTP in the field
• After authentication is complete, you’ll have to provide details like password, address, PAN Card Number, etc.
• After filling in all the details, you’ll have to click on the Submit button
• Now, you’ll be redirected to the login page where you’ll have to login to your account using the newly created login credentials
•  After logging in, click on the “Run a Free Credit Report” button and your credit report will be prepared by the Credit beauro and you’ll find the list of loans that are active in your name

Find out Loans in your Name using Experian

The following are the steps that you’ll have to follow to find out the loans in your name using Experian-

• Visit the official website of Experian and click on the button in the above-right-hand corner of the page saying “Get a Free Credit Report”
• After clicking on the button, you’ll have to register yourself by providing details like your name, address, mobile number, email, etc.
• In the next step, you’ll have to authenticate your mobile number using an OTP sent to your mobile number
• For Email, you’ll receive an OTP on your email ID, authenticate it by entering the OTP in the field
• After authentication is complete, you’ll have to provide details like password, address, PAN Card Number, etc.
• After filling in all the details, you’ll have to click on the Submit button
• Now, you’ll be redirected to the login page where you’ll have to login to your account using the newly created login credentials
•  After logging in, click on the “Run a Free Credit Report” button and your credit report will be prepared by the Credit beauro and you’ll find the list of loans that are active in your name

Find out Loans in your Name using CIBIL

The following are the steps that you’ll have to follow to find out the loans in your name using Equifax-

• Visit the official website of CIBIL and click on the button in the above-right-hand corner of the page saying “Get a Free Credit Report”
• After clicking on the button, you’ll have to register yourself by providing details like your name, address, mobile number, email, etc.
• In the next step, you’ll have to authenticate your mobile number using an OTP sent to your mobile number
• For Email, you’ll receive an OTP on your email ID, authenticate it by entering the OTP in the field
• After authentication is complete, you’ll have to provide details like password, address, PAN Card Number, etc.
• After filling in all the details, you’ll have to click on the Submit button
• Now, you’ll be redirected to the login page where you’ll have to login to your account using the newly created login credentials
•  After logging in, click on the “Run a Free Credit Report” button and your credit report will be prepared by the Credit beauro and you’ll find the list of loans that are active in your name

How to Report Unauthorized Loan?

If you find a loan that is not taken by you or is an un-updated loan that you’ve already paid, then in that case, you’ll have to raise a dispute with the credit rating agency.

The credit rating agency may have old data that shows an old loan which you may have completed, you can raise a dispute and get the loan cleared.

If there is a loan which showing in the report but is not taken by you then you’ll have to immediately report it to the credit agency followed by reporting the bank or NBFC from where the loan is linked.

You’ll find the loan details within the credit report itself, you can raise a query by contacting the loan department of the bank and then asking them for further details.

In case your loan is fraudulent, then you can report it to the police and get the bank involved as well. You should also have an FIR registered along with a complaint with the cyber cell for faster processing.

The investigation will take its course and you’ll have to contact the bank and discuss a resolution. You may experience a downgrading of your credit score so, contact the bank and ask them for solutions. Additionally, you can also complain to the RBI Ombudsman regarding the unauthorized loan sanctioned by the bank in your name.

FAQ