The credit report will have your account information, which has details of monthly payments for at least 36 months, names of banks from where you have loans, and the type of loan (home, auto, personal loan and credit card). It also gives status of outstanding loans.
Then there is an enquiry section that shows details of banks that have viewed your report to assess a loan application, your date of enquiry, type of loan (secured or unsecured) and amount.
Late payments indicate that you are unable to service existing obligations. So, avoid delay in payments and defaults. You should also restrict enquiries for new loans as it indicates you are planning to take greater credit risk, and this reflects negatively on your credit history.
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For further information contact Prajna Capital on 94 8300 8300 by leaving a missed call
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