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Should you lock or unlock your credit report?
Freezing your credit report can make it harder for fraudsters to take loans in your name. But unlocking it at the right time is just as important if you plan to apply for credit yourself.
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Your credit report is now as important as your bank balance
If you’re not checking it regularly, you may be planning your finances with blind spots.
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Spot something off in your credit report? Fixing it matters more than you think
A small error on your credit report can quietly block loans, cards, and better interest rates.
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Why keeping an eye on your credit report matters more than you think
You may feel fine today, but silent problems can build unnoticed. Just as routine health checks catch issues early, regular credit report monitoring helps you spot financial damage before it becomes expensive or irreversible.
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When you should freeze your credit report — and why it can protect you
A credit freeze has become one of the simplest and most effective ways to block fraud, and knowing when to use it can save you from months of financial damage.
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Getting your free credit report from all four bureaus in India
Every Indian is entitled to one free credit report a year from each bureau, but most people never use this right or don’t know where to find the reports online.
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Found an error in your credit report? Here’s how to correct it
Correcting mistakes on your credit report is the first step toward maintaining a healthy credit score and low borrowing costs.
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How to spot and fix credit report errors before they hurt your score
A clear, step-by-step guide to spotting mistakes in your credit file, getting them corrected and protecting your financial health.
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How to read and understand your credit report
Your credit report is more than just a score — it’s a complete record of how you handle money and credit.
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How to correct your credit report after a settled loan
Old settled loans can silently pull down your credit score — here’s how to set the record straight.
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Why checking your credit report regularly is vital for your financial health
Just like regular health check-ups prevent serious illness, reviewing your credit report helps maintain your financial well-being.
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Building credit history: A guide for new-to-credit borrowers
New to credit? Start with a credit card or secured card, use it responsibly, and repay on time. Monitor your report and avoid common mistakes to build a strong credit score
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How to get a free credit report from all four credit bureaus in India
Here's how you can get your free credit report every year from CIBIL, Experian, CRIF High Mark, and Equifax.
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Loan closed but credit report says otherwise? Here’s how to fix it
Closing a loan should be the end of your worries, but when it still appears as “active” on your credit report, it can be frustrating. Your credit scores could be lowered or applications rejected—there are numerous unexpected, but serious, consequences of a delayed loan closure. Here’s how to resolve them quickly to preserve your creditworthiness.
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Credit report decoded: What loan agents won't tell you about your credit report
Behind every lending decision lies your credit report—but there is more to it than lenders admit. Here's what you need to know to gain control.
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Common credit myths you can stop worrying about
Worried that viewing your own credit report or having multiple savings accounts will damage your credit score? Here's the truth about some of the most common credit myths.
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Can you have loan enquiries deleted from your credit report? Here's what you need to know
Loan enquiries can affect your credit score—but it doesn't always have to happen or be deletable.
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Credit score vs credit report: What’s the difference and why it matters
Understanding the key differences between a credit score and a credit report can help you manage your finances more effectively.
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Women borrowers on the rise, CIBIL-Niti Aayog report shows 22 percent CAGR over five years
Gold loans have emerged as a preferred borrowing option for women, with 4 crore loans worth Rs 4.7 lakh crore accounting for 38 percent of all loans taken by women in 2024. This represents a five-fold increase in gold loan volumes since 2019.
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Credit Report: A step-by-step guide to read credit score report in detail
Decoding your credit report can help you to manage your financial health effectively. By understanding the various sections you can catch errors early and improve your credit profile over time.
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Five common credit score myths
Credit Score Myths and Facts: Dispelling credit score myths is crucial as misconceptions can lead to mistakes that impact our financial paths. Knowing the facts not only enhance our knowledge but also helps us to make smarter financial decisions.
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What is the average credit score in India and how to improve your credit score
A strong credit score is key to securing the best loan offers and credit cards. Learn more about the average credit score in India according to recent studies.
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What is credit utilisation? Here's how it affects your credit score
Credit utilisation ratio reflects how much of your available credit you're using. A lower ratio indicates responsible credit usage and positively impacts your credit score.
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46% of those looked up their credit scores showed improvement in their ranking after checking: CIBIL report
Credit score: 119 million individuals in India were actively monitoring their CIBIL scores as of March 2024, according to a TransUnion CIBIL report.
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MC Explains: RBI's new credit reporting rules explained | Impact on borrowers and lenders
The RBI's new mandate requires lenders to update credit data twice a month instead of monthly, starting January 1, 2025. This change aims to improve risk assessment and credit behavior monitoring. Moneycontrol’s Payal Tiwari explains how this shift will affect your credit score, borrowing behavior, and the way lenders evaluate risk.
