I Paid On Time But My Report Is Wrong – What Should I Do? The most frustrating situation You did your part: · EMIs paid on time, · loan or card closed, · maybe even extra payments. Then you see your credit report and something is clearly wrong – an overdue, an active loan that’s […]
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How Often Data Really Gets Updated (Not When You Think It Does) The conversation usually goes off-track on a slide that looks perfectly harmless. It’s a collections strategy review. On the screen: a bureau-based roll-rate chart, neatly labelled: “Portfolio snapshot – December 2025, retail unsecured” Someone in the room asks what sounds like a minor […]
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Anatomy of a Credit Report (What Lenders Actually Use – and Ignore) The argument usually starts because someone has zoomed in too far. It’s a portfolio review on unsecured retail. The big numbers have been covered. GNPA, flow rates, vintage curves. Then an analyst puts up a slide with a screenshot of something everyone recognises […]
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How Often Should You Check Your Credit Score? The two extremes Some people never check their credit score until a loan gets rejected. Others refresh their score every week and panic over every 5-point move. Both extremes create problems. Let’s find a middle path. The real purpose of checking You don’t check your score to […]
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26 Dec 2025