How to Find Out CIBIL Score Without OTP

Checking your credit score is important. But sometimes, you may not receive the OTP. Your phone may not work. Your number may not be linked. Or you may want a quicker way. This is where knowing how to find out the CIBIL score without OTP becomes useful.

In this guide, you will learn the easiest methods. You will also see how platforms like Olyv help you check scores with fewer steps and faster results.

Why You May Need to Check Your CIBIL Score Without OTP

A lot of people encounter OTP difficulties. The following are the usual causes,

• Mobile number not linked with PAN
• Connection problems
• The old mobile number is still active
• The SIM card is lost, or the number is inactive
• The website of the credit bureau is down

In such cases, knowing the CIBIL score without OTP methods can help.

Ways to Find Out Credit Score Without OTP

1. Check Your Score Using Your PAN Details

This is the easiest way. A few platforms let you log in with your PAN and date of birth.

Here are the steps,

• Go to a credit bureau or a financial platform.
• Select login using PAN.
• Enter your PAN information.
• Instead of OTP, confirm using basic information.
• Check your score.

This is one easy method to check your CIBIL score without OTP.

2. Use a Pre-Verified Bank Account Credit Score

Since your identity is already verified, many banks display your score in their app.

Check your score in the following places,

• HDFC NetBanking
• ICICI iMobile
• SBI YONO
• Axis Bank App

No OTP is required because you are already securely logged in.

3. Use Olyv for a Quick Credit Score Check

Olyv provides a smart and fast way to check and track your credit score. If your mobile OTP is non-functional, Olyv will use different verification steps.

Reasons why Olyv is helpful,

• Simple credit score check
• The least amount of hassle
• Helps in keeping track of financial health
• Offers suggestions for improving credit history
• Let’s you assess the probability of loan approval

Olyv also gives a free dashboard for managing your financial profile.

4. Get Your Credit Score Via Your Loan Apps

If you have taken out a loan in the past, many apps will have your old credit score stored.

Some of the apps are,

• Bajaj Finserv
• Paytm
• MoneyView
• CASHe

They obtain your score based on your existing records, so no OTP is necessary.

5. Request Your Credit Score from Your Bank

You can simply go to your bank and ask for your score. Banks can check your credit report for you.

They might ask for,

• PAN
• Aadhaar
• Account info

This is yet another way to check your CIBIL score without OTP.

Methods to Check CIBIL Score Without OTP

Benefits of Checking Credit Score Without OTP

• Saves time
• No mobile network needed
• Helpful in case your old number is not working
• Senior citizens can reach it easily
• It helps in case of urgent loan approvals

You can easily track your financial profile with these methods.

Tips to Prevent OTP Problems in the Future

• Change your mobile number in Aadhaar
• Link the same number to your bank account
• Keep your SIM card active
• Verify your network connection
• Make sure your KYC is up-to-date

This will prevent you from being blocked by credit score check platforms.

How Olyv Assists You in Improving Your Credit Score

Olyv not only allows you to access your score, but it also improves your credit history.

Advantages of Olyv,

• Notifies you of any change in score
• Gives advice based on your profile
• Displays the probability of getting a loan
• Helps manage EMIs
• Monitors credit card spending

It is an all-in-one credit health partner.

Conclusion 

Checking your credit score should be simple. But OTP issues can make it difficult. Now you know many easy ways to find your CIBIL score without OTP. You can use your PAN, bank apps, loan apps, or even visit your bank. Platforms like Olyv make the process smoother and help you manage your financial health better.

With the right tools, keeping your credit life on track becomes effortless.