Unlock Your Financial Story: How to Read and Understand Your Credit Report in India

• Your credit report is more than just a score; it's a detailed financial history.
• Scrutinize basic details like name, PAN, and address for errors, as mistakes can link wrong accounts.
• Carefully review loan and card history for outstanding balances and repayment track records, noting any delayed payments.
• Monitor the inquiries section; too many checks or unauthorized inquiries can signal issues like identity theft.
• Understand the difference between 'closed' (good) and 'settled' (negative impact) accounts, and check your score regularly.