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Omozing Answers › Credit scores and bureaus
Written by the Omozing Credit Team · Reviewed for accuracy by our credit and compliance team · Updated October 2026
Arrows show where your report goes. Bureau access is for members, mainly regulated lenders, and for you. Anyone else sees it only if you hand it over.
The rule behind this is simple: a bureau shares your file with a lender because that lender is deciding whether to give you credit, or is managing credit it has already given you. When you apply for a loan or card, you authorise the lender to check your report as part of the application. That is why a loan you never applied for, or an enquiry from a lender you have never heard of, is worth taking seriously.
| Who looked | Why | Shows on your report? | Effect on your score |
|---|---|---|---|
| You | Checking your own score or report | Not as a lender enquiry | None |
| Lender you applied to | Deciding on your loan or card application | Yes, in the enquiry section, with date and purpose | Small, temporary dip; clusters hurt more |
| Your current lender | Reviewing an account you already hold | Usually as a review, not an application | None |
| Pre-approved offer screening | Checking if you fit an offer | Soft enquiry | None |
| Someone using your identity | A fake application in your name | Yes, as an enquiry or a new account | Can hurt if it turns into an unpaid loan |
The last row is the one to watch. A fraudster who has your PAN and some personal details can apply in your name, and the lender’s check then shows up on your report. Bureaus send an alert when your report is accessed, so an alert you didn’t expect is often the first warning. Can someone take a loan on my PAN or Aadhaar?
Use your free annual report from each bureau. How to get it free.
It lists each lender that checked you, with the date and the type of credit asked for. Reading your report, section by section.
A personal loan application last month, a card you applied for in the summer. Anything you can’t place needs a second look.
Raise it with the bureau. Disputes must be resolved within 30 days, and if it takes longer you are owed ₹100 for each day of delay. If money was taken, call 1930 or file at cybercrime.gov.in.
We check your report only after you apply, with your consent, and that check appears as one enquiry. A credit officer then reads the full report rather than stopping at the number. If you are salaried with a take-home of ₹40,000 or more and a score from 600, one application is enough.
Get an unknown enquiry or account checked and corrected, free of charge.
An employer can’t pull your report from a bureau the way a lender can. If an employer wants to see it, they would have to ask you to share a copy, and you decide.
When you apply, you authorise the check as part of the application. Lenders you already have an account with can also review your file. A check from a lender you never dealt with should be disputed.
Usually, yes. Bureaus send an SMS or email alert when your report is accessed, and your full report lists lender enquiries with dates.
Not from a bureau. They can see it only if you show it to them. A joint loan does appear on both borrowers’ reports, though.
Only a hard enquiry from a credit application can, and the effect is small and temporary. Your own checks and soft enquiries have no effect.
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Omozing is the digital lending brand of Aparampaar Finance Private Limited, an RBI-registered non-deposit-taking NBFC. Loans are subject to credit assessment. See our regulatory disclosures and grievance redressal process.