how to read a credit report

To read a credit report, you must first check your CIBIL Score, a three-digit number from 300 to 900, where a score above 700 is considered favourable. Next, review the detailed sections:

• Personal Information: Verify your identity details like PAN and Aadhaar for accuracy.
• Account Information: This is the most crucial part. Check your payment history and the Days Past Due (DPD) column, where '000' is the best indicator of timely payments.
• Enquiry Information: Note the recent credit inquiries, as too many hard inquiries in a short period can negatively affect your score.