सिबिल क्रेडिट रिपोर्ट क्या है? 

क्रेडिट रिपोर्ट एक एकल एकीकृत दस्तावेज है जो एक महत्वपूर्ण अवधि में विभिन्न उधारदाताओं में आपके क्रेडिट इतिहास को कवर करता है।

आपकी क्रेडिट रिपोर्ट में निम्नलिखित विवरण शामिल होंगे:

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व्यक्तिगत जानकारी जैसे नाम, आयु, लिंग और पता रोजगार विवरण और आय

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आपके ऋण/क्रेडिट कार्ड आवेदन की प्राप्ति पर संभावित उधारदाताओं द्वारा की गई कठिन पूछताछ की संख्या

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आपके भुगतान रिकॉर्ड के साथ पिछले और वर्तमान ऋणों की जानकारी

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ऋण पर कोई चूक कोई भी 'निपटाया' ऋण

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कुल क्रेडिट सीमा और मासिक खर्च की गई राशि (क्रेडिट उपयोग अनुपात) कोई भी क्रेडिट कार्ड भुगतान चूक

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क्रेडिट स्कोर - आपके क्रेडिट प्रोफाइल का एक महत्वपूर्ण घटक जो संभावित उधारदाताओं को आपकी क्रेडिट योग्यता का त्वरित विचार देता है।

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