How To Check My All Loan Details Online? 7 Easy Steps
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How to check my all loan details
It is very important to protect our personal information and keep it secure. It is always necessary to take care of the loans associated with our name and take necessary steps to manage our finances effectively.
We can track our loan details either online or offline. We have to provide the details of our Name, Reference Number (A reference number is a number generated by the bank), Date of Birth, Mobile Number or PAN Number to track the details of our loan. We can check the status of the loan through any one of the following methods.
Different Methods of Tracking all loan details
How to check my all loan details - Method No1. Direct Visit To Bank Branch
We can directly go to the branch office of the bank. We can meet the officer in charge to know the details of our loan. We have to provide the reference number (A reference number is a number generated by the bank), and valid identity proof for our identity. Then a representative of the bank can help us to track the loan details. The bank will get back to our query within 24 hours.
Banks provide simple and hassle-free means for checking loan status. We can check key informations such as
- EMI status
- Last nine transactions
- Due dates
- Repayment schedule
- Tenure
- Overdue charges
- Principal remaining
- Interest rate changes, etc.
For this purpose, we need to provide the following inputs
- Applicant Name
- Reference Number
- Date of Birth
- Mobile Number
- PAN Number
We can also call the customer care numbers to get the details of our loan. And we can email the customer service department to track all the loan details. We need to provide the reference number along with the registered mobile to the representative. The customer care track all the loan details within a few seconds. We can get easy support through customer care module.
The details required to check all loan details are subject to change from bank to bank. In some banks, you might be able to retrieve the status by simply using our reference number. In other banks, we might have to generate an OTP and authenticate our query using our registered mobile phone number.
How to check my all loan details - Method No 2. Check credit history and credit scores
The best technique is checking our credit history. It is an most comprehensive way of checking. We have to visit the official website of CIBIL and get oursellves a credit report. The credit report summarizes our credit score.
Everybody can get one Credit report per year freely. The credit report will show the recent payment history. It will reflect the detailed summary of all the loans taken out (our active loans), EMI reports in detail (All the existing EMIs that we are paying), and credit card accounts, and their current status, how many loans are in our name. We can check every loan in that report. And also the details of premium amounts paid as well as to be paid. We can check whether someone has opened a loan in our name.
The list of 4 companies providing credit reports in India are as below
- CIBIL
- Equifax
- Experian
- High Mark Credit Information Services
We can visit their websites and request a copy of your credit report. They maintain credit information of individuals. We can request a free annual credit report from these companies. And also we can access them online for a nominal fee. We can get free credit report from online – AnnualCreditReport.com, or by phone: 1-877-322-8228. We can get one free report from all the three major credit reporting agencies – Equifax, Experian and TransUnion.
Most loan account informations (such as credit cards, auto loans, student loans) are reported to the three major credit reporting agencies – Equifax, Experian and TransUnion. To get our credit history, we have to enter the basic details like PAN number, Date of birth, email ID, gender, and the captcha code displayed. Once we complete this process our credit report will be sent to us through post or email as we preferred.
If we have already checked the credit scores online then we can directly use our email ID and password to access existing information. In case if there’s any discrepancy then we have to initiate a dispute. And add some security alert on our credit report. We can always approach the creditor or lender to expedite this process.
If we feel or suspect Identity theft, the next step would be to file a police report immediately. Then contact the lender immediately. In the credit report, we have to look for the section that lists our loans. This section will show us the name of the lender, the loan amount, the interest rate, and the status of the loan.
If we find any loans on our credit report that we do not recognize, then we should contact the lender immediately to investigate. It is possible that someone has opened a loan in our name without our permission. Then file a dispute with all the major credit bureaus (Experian, Equifax, and TransUnion) to remove the entry of someone from your report.
How to check my all loan details - Method No 3.Through Net Banking
We can use net banking facility to view our personal loan statement. Most of the banks have net banking facility. This net banking facility has a ‘loan’ section. We have to login to our net banking accounts and go to the loans section. under the loans section we can apply, check or know the balance on the loan. Through this ‘loan’ section we can view the details of loans availed by us.
Bank websites/apps – Many banks now allow us to view our loan details online through their website or mobile app. We can log in to our account and check the “loans” section for a list of all our active loans.
How to check my all loan details - Method No 4. Contact our bank or lender.
We can directly contact the banks or lenders we have taken out loans to ask for a list of our loans.
How to check my all loan details - Method No 5. Use a loan tracking service.
There are a number of online services that can help us to track our loans. These services will charge a fee. And this can be a convenient way to see all of our loans in one place.
How to check my all loan details - Method No 6. Loan details tracking by reference number
Just like our mobile number, we can use the reference number/application number as a unique identifier for checking loan deatails.
How to check my all loan details - Method No 7. Tracking Loan details through our mobile number and date of birth
Many banks use mobile number alone as a point of reference to track all the loan details. Here we don’t need reference number. Using this method, we can check the loan status from anywhere. As an added precaution some banks might ask for date of birth along with the mobile number for reference.
Conclusion
- The different modes of tracking aim to improve the transparency associated with the lending process.
- Most lenders provide online portals or customer service channels where we can inquire about all the details of loan
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