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CREDIT BUREAUS
Financial fixes and high-yield savings: Are you missing the easiest ways to save more and spend less?More than half of savers still earn under 3% interest, while many households lose around $200 yearly on unused subscriptions. These financi...- Delinquency vs default: Know the difference and how they affect your credit score and borrowing abilityIf you are confused by personal finance terms, jargon and calculations, here’s a series to simplify and deconstruct these for you. In the 1...
- NEDFi Partners with Veefin Solutions to revolutionize digital lending operations in Northeast IndiaNEDFi and Veefin Solutions have partnered to implement a digital lending ecosystem aimed at enhancing credit access across Northeast India....
- Are you affected? Medicare breach may expose Social Security Numbers — steps to check nowThe Medicare data leak has triggered fresh fears around Social Security number exposure and identity theft across the United States. A publ...
- How secured loans can open new doors to credit-based growth for MSMEsSecured loans offer MSMEs a pathway into the formal credit system, eliminating the need for years of audited financials or a long operation...
- A loan you never took; How PAN fraud is wrecking credit scores in India and what you should do to protect yourselfIndians are facing a new threat: PAN-based loan fraud. Criminals are using stolen PAN details to take out loans without consent. This is da...
- Sharing a credit card? How add-on cards work, who pays & what to watch out forAn add-on credit card is issued against an existing primary credit card account. The primary cardholder remains the account owner and the s...
- Real-time checks to improve discipline in credit cycleLenders will now report to credit bureaus weekly, a shift from fortnightly, enhancing real-time borrower risk assessment. This move is expe...
- Complaints against credit bureaus rise sharply as borrower frustration spikes over credit score, data accuracyAccording to industry experts, the rise in complaints should be seen as both a warning and an opportunity -- a signal that grievance mechan...
- How to improve credit score to get quicker loan approvals, lower interest ratesIn India, major credit bureaus, such as CIBIL, Equifax, Experian and CRIF High Mark, provide credit scores. A healthy credit score can lead...
- The ‘buy now, pay later’ option is like a disease: Satish Mehta, Athena CredXpert"A credit card is the most expensive piece of plastic in the world. You are charged 40% interest if you don’t pay on time. You would think ...
- Credit bureaus to be brought under RBI's ombudsmanThe regulator said there will also be a provision for SMS and email alerts to customers when their credit information is accessed from CICs...
- HDFC Bank delayed reports of repayment status of millions of borrowers: Experian to RBIOne of India’s biggest credit bureaus, Experian Plc told the Reserve Bank of India in July that HDFC Bank has been late in providing detail...
- Alternative data can gauge creditworthiness, if law permitsData privacy law awaited to determine scores using sources such as mobile phone and e-wallet usage
- Only 15% population in metro aware of credit scores: SuveryAmong the polled cities, Delhi and Bengaluru have better awareness with 25 per cent respondents being aware that a good credit score will h...
- Credit information companies to issue 1 credit report a year per customerThe regulator observed that in many instances, charges for merchants were bundled and a composite fee was levied on merchants irrespective ...
- Credit bureaus want RBI to make payments banks its membersRBI gave in-principle nod to 11 aspirants to set up payments banks last August. While some like Tech Mahindra and Cholamandalam have since ...
- When getting a credit score is not enough for borrowersDifference in methodology sometimes leads to major confusion, leaving borrowers puzzled as the same individual can be given different credi...
- Top of your mind: Should you increase your credit limit on credit card?Credit bureaus take the credit utilisation ratio into account: higher the ratio, lower the score.
- Credit bureaus should have a provision for Aadhar in systems: KC Chakrabarty, RBICredit information bureaus should use Aadhaar number to enable smoother working of the credit market and root out cases of identity frauds,...
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