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  • Make sure your credit information is accurate
  • Get insight into what actions hurt and help your credit score
  • Know when you might qualify for better credit card offers
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Step 1 of 3

What is a Credit Report?

Your Credit Information Report (‘CIR’) contains detailed information of your credit/loan history, including your identity information, credit accounts, loans, payments, recent enquiries and credit score.

Your Credit Score is based on the information in your credit information report. Higher the score, the more favorably it is viewed by banks and financial institutions.

What is in the report?
  • Historic records pertaining to your borrowing instruments such as loans & credit cards
  • Your credit score which is a 3 digit number that indicates if you will pay off dues on time
  • Dates on which your credit report was pulled by lenders
Why is it important?

A variety of businesses check your credit report to make decisions about you. Banks check your credit report before approving you for credit cards and loans.