Knowing Your Credit Report | MMTZ Talks!
Channel: Money Matterz Talks
Date: 2021-03-25

KNOWING YOUR CREDIT REPORT

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.._.. Transcript .._..
Today Let us talk about the Credit Report. Unfortunately In India like hoe photocopy has become Xerox, a credit report has become a CIBIL report! In India, we have four Credit bureaus. There's CIBIL, CRIF Highmark, Equifax, Experian. All four of them give credit reports for individuals and companies.
 
A credit report is a detailed breakdown of an individual's credit history prepared by a Credit Bureau. Credit bureaus collect financial information about individuals and create credit reports based on that information, and lenders use the reports along with other details to determine loan applicants' creditworthiness. So a credit report is pulled only when there is a loan request by any lenders. However, you and I can apply for our own credit reports whenever we wish to. And a credit report has data only about all the loans and credit cards taken, used. Closed, on-going. It doesn’t have information about your savings account or investments.
 
Lenders have to submit data to the credit bureaus and the information gets updated on a regular basis. And the data never gets erased. So each time you apply for a loan your credit history is checked to figure out what kind of a borrower you have been and also how risky you are as a borrower. This helps the new lender to decide if they should approve your loan or not. Currently, credit reports are being checked by employers, insurance companies, marriage bureaus!
 
A credit report is dynamic, it gets rectified as you get better and can also go down if one is careless/irresponsible.  To summarize it, it is Prudent to have a good credit standing, isn’t it??