Most Indians still treat their credit score like a secret exam result. They avoid checking it because they think it will hurt their score, or they only look at it when a loan gets rejected and panic sets in. That mindset is outdated and financially dangerous in 2026. Credit reporting in India has shifted to … Read more
For most borrowers, the first time they truly “meet” their credit report is when a loan or credit card gets rejected. That’s when the shock hits. A loan you never took. A late payment you never missed. A closed account still showing active. A settled card still marked unpaid. In 2026, credit reporting in India … Read more
For years, Indians were trained to believe one comforting lie about credit scores: “Your score updates once a month, so relax.” That mental model quietly shaped how people paid EMIs, used credit cards, and timed loan applications. That model is now broken. In 2026, major credit bureaus in India have shifted to near-weekly data refresh … Read more