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Credit Report

A detailed document showing your entire credit history — all loans, credit cards, payment history, inquiries, and defaults. Maintained by 4 bureaus in India: TransUnion CIBIL, Experian, Equifax, and CRIF High Mark. You are entitled to one free report per year from each bureau.

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About this definition: Compiled from RBI Master Directions, public regulatory frameworks, and verified industry practice. Last reviewed 8 Jun 2026. Definitions are for borrower education and do not constitute legal or financial advice.

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