Credit Score
Credit report is a record of an individual's or company's past borrowing and repaying, including information about late payments and bankruptcy.
When a customer fills out an application for credit from a bank, store or credit card company, their information is forwarded to a credit bureau.
The credit bureau like CIBIL (Credit Information of India Limited), Equifax, Experian, etc.. matches the name, address and other identifying information on the credit applicant with information retained by the bureau in its files.
This information is used by lenders such as credit card companies to determine an individual's credit ratings & worthiness; that is, determining an individual's ability and track record of repaying a debt.

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