credit bureau

Which credit utilization amount is reflected in the credit bureau report? Is it based on the statement amount from the previous month or the total utilized credit, including the amount used after the statement is generated? For example, if my credit limit is ₹30,000 and my total used credit is...

Recently, I got a RuPay-based credit card. Earlier, I used to pay for utility bills and some online purchases through Amazon Pay Later. In the OneScore application, I received a prompt suggesting that I close risky accounts with the lowest balance, i.e., Amazon Pay Later, to improve my credit...

I regularly check my Experian credit report and raise disputes when I find errors. However, I usually forget about them once submitted. Today, I noticed that my bank account was credited with ₹5,100 by Experian. At first, I thought it was a mistake. But after thinking about it, I believe this...