Credit Report

A credit report is the evidence behind your credit score: every loan and credit card a lender has reported, its sanctioned limit or amount, the outstanding balance, your repayment status and the days-past-due figure. It also holds your personal details and a list of the lenders who pulled the report (enquiries). Bureaus report what lenders give them, on the RBI reporting cycle — four reference dates a month since July 2026 — so a closed account or a cleared balance can take weeks to appear. Reading your own report is free once a year from each bureau and does not affect your score.

Example

A report still shows a personal loan as open three months after you cleared it. That is an inaccuracy to dispute, not a score problem.