A low or stagnant credit score has become one of the biggest silent blockers in Indian personal finance by 2026. Loans get rejected, credit limits stay low, and interest rates quietly increase, often without people fully understanding why. Many assume credit scores improve automatically over time, while others chase shortcuts that promise instant results but … Read more
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 That mindset is outdated and financially dangerous in 2026.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 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