10-Section Comprehensive Credit Report Guide
Understand every parameter of your credit bureau document.
1. Personal & Contact Identification
Verified Name, PAN, Date of Birth, Passport, and registered address entries.
2. Credit Account Summary
Aggregate view of total active accounts, closed loans, and credit cards.
3. Active Loans Ledger
Detailed balances of home loans, personal loans, vehicle loans, and business financing.
4. Closed Accounts History
Settled or closed loans with closure dates and zero outstanding confirmation.
5. Credit Cards Registry
Sanctioned limits, available credit, and current monthly statement balance.
6. Payment History & DPD (Days Past Due)
36-month month-by-month repayment track record indicating 0 DPD or delays.
7. Credit Utilization Ratio (CUR)
Healthy utilization percentage evaluation (optimal range is under 30%).
8. Recent Credit Hard Enquiries
List of loan or credit card applications made to banks in the last 12 months.
9. Average Credit History Age
Length of relationship with credit institutions (longer history yields higher trust).
10. Official Bureau Remarks & Default Flags
Special remarks, dispute status, or written-off flags recorded by lenders.