Credit knowledge

Learn more about your credit profile

Plain-language guides to credit reports, scores and the dispute process, so you can make informed decisions.

Credit Reports

A plain-language walkthrough of personal details, accounts, payment history and enquiries, and what to check in each.

Loan Readiness

Two words that look similar on a report but tell lenders very different stories about how an account ended.

Rectification

From closed loans shown as active to accounts that are not yours, what to look for and how a dispute works.

Myths

Why the idea of a 'blacklist' is a myth, and what actually happens when a lender says no.

Credit Bureaus

Four bureaus, four records, four scoring models, and why a lender may look at the one you have not checked.

Regulation

An overview of the timelines and compensation framework RBI has set for resolving credit information complaints.

Loan Readiness

Standing guarantee for a friend or relative carries real credit consequences. Here is what to know first.

Business Credit

How MSME credit ranks work, what banks look at in a Commercial Credit Report, and why directors' profiles matter too.