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A credit report is issued by 4 authorized credit bureaus in India which are CIBIL™, Equifax, CRIF High Mark and Experian. A credit report is a resource for banks and other financial institutions to evaluate an individual or company’s credit worthiness in order to make a lending decision. There are several reasons why the credit report is highly valued:

  • Offers a single comprehensive report of the customer’s past and current borrowing and repayment history
  • Gives potential lenders a detailed idea of the customer’s spending discipline and ability to fulfill debt obligations
  • Gives individuals information on their credit strengths and weaknesses and enables them to take focused steps to improve their credit health
  • Ensures greater transparency and streamlining in the loan approval process as customers and lenders have access to the same credit information. Customers know the reasons why their loan has been rejected, and lenders can make quicker decisions on who they can lend to, without spending time and money on background checks.
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4 / 5 (2 Reviews)
23 Jul 2020

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