How to Download a Credit Pass Report Online

Credit Pass helps active subscribers review and download their credit information while the service remains available. Understanding subscription status, report contents, download steps, error checks and the current Credit Pulse alternative can help users manage credit information more confidently online.

• Active Credit Pass users can continue accessing available features until their subscription expires.
• Download the Credit Health Report from the Credit Pass dashboard while access remains active.
• Review credit score, accounts, repayment history, balances and enquiries for accuracy.
• Compare any incorrect entry with your supporting financial records before raising a dispute.
• New Credit Pass subscriptions and renewals are no longer available.
• After expiry, use the Credit Pulse Report as the currently available alternative.

A Credit Pass report is a credit health report that provides a consolidated view of your credit profile based on information available through the Credit Pass service. It can include your credit score, active and closed credit accounts, repayment history, outstanding balances, credit enquiries and other details linked to your borrowing behaviour. The report helps you understand how your loans and credit cards are recorded and whether the information shown matches your financial records. It can also help you identify entries that may need further review, such as an incorrect account status, unfamiliar enquiry or repayment information that does not match your records. Checking the report does not itself mean that your credit score will increase or decrease. The report should be used as a reference for monitoring your credit information and reviewing changes over time. If any detail appears inaccurate, compare it with your supporting documents before using the appropriate official dispute or correction process. This makes it useful for tracking how your credit profile evolves.

How does credit pass availability depend on your subscription status?

Credit Pass access depends on whether your existing subscription is still active. Since the service is being discontinued, the features available to you are determined by your current subscription status rather than by a new enrolment or renewal option.

• Active subscription: You can continue using the available Credit Pass features until your current subscription expires.
• Expired subscription: Access to Credit Pass features ends once the existing subscription period is over.
• New subscription: New users cannot take a Credit Pass subscription.
• Subscription renewal: An existing Credit Pass subscription cannot be renewed after expiry.
• Report access: Download or review the available Credit Pass report while your subscription remains active.
• Alternative report: After Credit Pass expires, the Credit Pulse Report is available as an alternative for current credit information.

Before trying to download a Credit Pass report, confirm whether your subscription is still active. If it has expired, use the currently available alternative rather than looking for a renewal or reactivation option.

How to download your credit pass report online?

An active Credit Pass user can download the available Credit Health Report from the Credit Pass dashboard using the report download option. The exact options shown can depend on the status of the existing subscription.

Follow these steps:

1. Open the Bajaj Finance website or app and access your Credit Pass account.
2. Sign in using the details linked to your active Credit Pass subscription.
3. Open the Credit Pass dashboard.
4. Go to the Credit Health Report section.
5. Review the current credit information displayed in the report.
6. Select the available Download Report option.
7. Save the downloaded report securely on your device.
8. Review the saved report to confirm that the account and repayment information is correct.

The Credit Pass page currently provides a Download Report option and describes the Credit Health Report as a detailed record of credit history, credit behaviour and loan account information. Avoid sharing the downloaded report through unsecured channels because it contains personal credit information.

A Credit Pass report should be reviewed for both credit-score information and the accuracy of individual credit accounts. The following areas can help you identify whether your credit records are consistent with your own information:

The Credit Pass account summary covers both active and closed accounts and provides information such as payment status and account history.

Keep older reports securely if you need to compare changes in your credit information over time.

What should you do if the credit pass report shows an error?

An incorrect entry in your Credit Pass report should be checked against your loan, credit card or payment records before you request a correction. Start by identifying the account and field that appear incorrect. Keep relevant records such as payment confirmations, loan statements or closure documents that support the information you expect to see. If the issue relates to information in your CIBIL Report, use the official TransUnion CIBIL dispute process. CIBIL provides dispute options through MyCIBIL for account, enquiry, personal and other report information.

Follow these actions:

• Identify the incorrect entry: Note the specific account or report field.
• Check your records: Compare it with statements, payment confirmations or closure records.
• Raise the dispute: Use the official CIBIL dispute facility where applicable.
• Track the request: Check the dispute status through MyCIBIL.
• Review the updated report: Confirm whether the information has been corrected after the dispute is processed.

Do not alter or ignore an incorrect credit entry without first checking the source information.

What can you use after your credit pass expires?

After your Credit Pass subscription expires, you can use the Credit Pulse Report as the currently available alternative for reviewing your credit information. Credit Pass is being discontinued, so expired subscriptions cannot be renewed, and new subscriptions are no longer available. The Credit Pulse Report is a separate product and should not be treated as a continuation of Credit Pass. Credit Pass offered CIBIL-based credit monitoring with features such as periodic score updates and a personalised dashboard, while the Credit Pulse Report provides a current snapshot of your credit history using Experian data. If your Credit Pass subscription is still active, you can continue using its available features until the subscription expires. Once it has expired, use the Credit Pulse Report process instead of looking for a Credit Pass renewal option. When comparing older Credit Pass information with a newer report, confirm which credit bureau each report uses before comparing scores, account details or other credit information.