what is credit bureau report

A credit bureau report is a comprehensive record of an individual's credit history and financial behavior, also known as a Credit Information Report (CIR). Credit bureaus in India compile this data from banks and other financial institutions to generate a report and a credit score, which lenders use to assess your creditworthiness for loans and credit cards. The report generally includes:

• Personal and contact details.
• Details of all loan and credit card accounts.
• Detailed payment history and outstanding debt.
• Inquiries made by lenders.