Is my fathers cibil reflecting under my name?? *NEED HELP*
I have been using my father's old Airtel SIM card for the past six years because he no longer needed it. Before I started using it, the number was linked to several of his financial products, including credit cards and an ICICI Bank account. Over time, all of those credit card accounts were closed, and only the ICICI savings account remained active. I still use that account occasionally as an extra bank account.
Over the last six years, this phone number has essentially become my primary number. Everything is linked to it—my SBI bank account, Groww account, email addresses, Instagram, and almost every other important account I use.
I am 21 years old and have recently started learning about CIBIL scores. Since I have never taken a loan or credit card, I expected to have little or no credit history. However, when I checked my CIBIL score through the PhonePe app, it showed a score of around 400.
I know that my father's CIBIL score is poor because our family faced financial difficulties a few years ago, and his credit score never recovered. Since this SIM card is still officially registered in my father's name, I am worried that PhonePe might be showing his CIBIL score instead of mine.
I want to build a good credit history for myself and don't want my father's past financial decisions to affect my financial profile. Is it possible to transfer the ownership of this Airtel SIM card to my name? If yes, what is the process? Also, how can I confirm whether the CIBIL score I am seeing actually belongs to me or to my father, and what steps should I take to ensure my own credit history remains separate?