Official Bureau Verification Complete

Credit Report for Rahul Kumar

Mobile: +91 99******01 • Report Date: 16 Sep, 2026 • 256-Bit SSL Verified

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Primary Bureau Rating

Experian India

EXCELLENT

785

Score Range: 300 to 900 • Top 8% of Prime Borrowers in India

High probability of instant approval on credit cards and low-interest loans.

On-Time Payments 98.5%

Credit Utilization 12.8%

Active Accounts 4 Accounts

Secondary Bureau

TransUnion CIBIL

GOOD

772

Next free refresh available on: 16 Oct, 2026

Approval Odds: > 95% (Very High)

Interest Rate Advantage: Up to 2.5% Lower ROI

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5 Core Credit Health Factors

Understanding how your borrowing behavior influences your score

1. Payment History (35%) 98.5% Excellent

Zero delayed payment marks reported in the last 24 months.

2. Credit Utilization (30%) 12.8% Optimal

Total monthly card spend is well below the 30% limit.

3. Credit Age (15%) 4.5 Years

Long credit vintage demonstrates seasoned financial discipline.

4. Total Accounts & Mix (10%) 4 Accounts

Healthy combination of 2 credit cards and 2 term loans.

5. Recent Inquiries (10%) 0 Hard Inquiries

No recent credit hunger detected by bureau underwriting.

AI Coach Recommendation

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