How Each Bureau Scores You Differently (And Why It Matters More Than You Admit) The tension usually shows up in a room that wasn’t meant to talk about scorecards. It’s a collections strategy review. On the screen: a slide titled “Roll Forward Behaviour vs Score Bands”. The analytics lead points to a chart: · “For […]
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Five Common Myths Indians Believe About Credit Scores Everyone has “heard something” about CIBIL Family, colleagues, YouTube, Telegram groups – everyone has a strong opinion about credit scores. The problem is: half of it is wrong or half-true. Let’s clean up five of the most common myths. Myth 1 – “Checking my score will reduce […]
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Meet India’s Four Credit Bureaus (The Way Lenders Actually See Them) The argument usually starts in a room that was meant for something else. It’s a credit policy offsite, or a retail strategy workshop. Someone has presented a slide called “Multi-Bureau Strategy”. Four logos on one page: CIBIL, Experian, Equifax, CRIF High Mark. The presenter […]
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RBI’s Concerns: Complaints, Data Quality, Governance By the time “RBI concerns” came up in the meeting, most people were already thinking about lunch. It was the quarterly Board Risk Committee. Slide 42 of 57: “Customer Complaints & Data Quality”. The Chief Service Officer walked through it in three minutes: · “Total complaints down 8% vs […]
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