Credit scores

A credit score determines how creditworthy a person is and helps banks and financial institutions decide on loans. In India, the scores are issued by credit reporting agencies such as CIBIL, Equifax, Experian, Etc.

These agencies are regulated by the RBI and collect data from banks on their loans and come up with credit scores through use of algorithms. The data is updated frequently. Credit scores in India range from 300-900. A credit report may be obtained for free once a year from every credit reporting agency.

Source: TH

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