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The credit reporting system in India needs improvement to match the standards of developed countries like the USA. As a leader in digital payments, India should strive to have a world-class credit reporting system to complement its digital banking infrastructure. Several issues have been...

Currently, consumers do not have the ability to lock their credit reports to prevent unauthorised access. Banks and NBFCs not only periodically check our credit reports but also make hard inquiries without our explicit consent, resulting in unwanted entries on our credit reports. Have you ever...

Greetings everyone, The Reserve Bank of India (RBI) issued new guidelines for credit card issuers on April 21st, 2022, which came into effect on July 1st, 2022. The RBI has explicitly stated in these guidelines that credit card issuing companies and banks must provide a written explanation for...