The record of every loan and card in your name, with how you have repaid them.
It lists your accounts, limits, balances, payment history for each month, and the enquiries lenders have made. Your credit score is calculated from it.
You can get one free full report a year from each bureau. Check it for loans you do not recognise or payments wrongly marked late, and raise a dispute with the bureau to correct them.
Short reads that explain how it works before you decide.
GuidesNo-Cost EMI: What It Really Costs You, With a Worked ExampleNo-cost EMI is not a trick, but it is rarely free. Here is where the money goes: the discount you give up, the processing fee, and GST on the interest, worked out on a Rs 30,000 phone.Read the guide →Automatically organise your spending, track expenses and understand where your money goes.
