Score vs report
Your score is a summary; your credit report is the detail. It lists every loan and credit card reported in your name, how you have repaid them, and which lenders have checked your credit.
Main sections
- Personal information: name, date of birth, PAN and other IDs
- Contact information: addresses, phone numbers, email
- Employment information (where reported)
- Account information: lender, account type, ownership, sanctioned amount/limit, current balance, overdue amount, status, and month-by-month payment history
- Enquiry information: lenders who checked your report after you applied for credit
Reading the payment history (DPD)
Payment history is often shown as DPD (days past due) for each month. "000" or "STD" means paid on time. Numbers such as 030 or 090 mean the payment was that many days late. Remarks like SUB, DBT or LSS indicate serious delinquency.
Get your report free
Under RBI directions, every individual is entitled to one free full credit report each calendar year from each credit bureau. Download it directly from the bureau’s official website. You never need to pay an agency just to see your own report.
How often it updates
From January 2025, lenders must report credit information to bureaus at least every 15 days, so changes such as a loan closure appear faster than before.
This guide is general educational information, not financial or legal advice. Rules can change. Check the latest guidance from the RBI and the credit bureaus.