How to Read Your First Credit Report in 10 Minutes That moment you download your report You finally pull your credit report. It’s 10–20 pages long, full of tables and codes. It feels like a lab report in another language. Let’s turn that into a 10-minute exercise. The big picture Think of your credit report […]
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Fortnightly Credit-Data Updates: What It Really Changes By the time the new requirement was discussed properly, the project was already marked “completed”. Three months earlier, an RBI communication and follow-on bureau emails had landed saying that credit information should be updated at least fortnightly. IT opened a JIRA, Ops updated the SOP, Compliance put a […]
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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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Inside CICRA: What It Really Controls (Beyond the “Legal Act” Label) By the time CICRA comes up in a serious conversation, the coffee is already cold. It’s usually in a review meeting after an RBI inspection, or when a new digital product team asks Legal for “a quick sign-off” on bureau integration. Someone from Legal […]
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