What Your Credit Score Actually Sees (And What It Doesn’t) Why your score feels mysterious You open an app, see a three-digit number, and suddenly it feels like your entire financial life has been reduced to that score. You’re not alone. Most people in India know that “CIBIL score matters”, but very few know what […]
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The Birth of Credit Bureaus in India — How It All Started For most of India’s financial history, borrowing wasn’t about your repayment behaviour — it was about who you were. Banks relied heavily on collateral, personal references, and branch-level judgement. A solid business or hardworking salaried professional could still be denied a loan simply […]
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