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What is a credit report? What’s included in it?

calendar_today July 15, 2026 person Shubham domain oolka

A credit report is a detailed record of your borrowing history, repayment behaviour, active and closed credit accounts, and lender enquiries. Banks and NBFCs use it to assess your creditworthiness before approving loans and credit cards. Poonam, 30, from Chennai, applied for a Rs.8 lakh personal loan expecting a quick approval because she had never […] The post What is a credit report?

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