What Is Comprehensive Credit Reporting

• CCR provides a full picture of both positive and negative credit behaviours

• It enables lenders to make better-informed lending decisions

• CCR allows for more personalised credit solutions

• Timely repayments can lead to lower interest rates and better terms

• Includes credit history, repayment patterns, and credit limits

• A guarantor’s credit may be affected by the primary borrower’s payment history

Comprehensive Credit Reporting (CCR) is a modern credit reporting system that gives a full picture of your credit history. It showcases both positive and negative financial behaviours. Unlike traditional credit reporting methods, which mainly focus on defaults and overdue debts, CCR includes positive repayment patterns. 

Some of these include:

• Repayment history for credit cards, loans, and bills
  

• Types of credit accounts, including ‘Buy Now Pay Later’ products
  

• Lenders/issuers to whom you have applied for a new credit card or loan
  

• Dates of credit applications, openings, and closings
  

• Current credit limits on your accounts 
   

This enables lenders to assess your creditworthiness more accurately. It supports better-informed lending decisions, helping lenders set appropriate loan terms and giving you a fair chance at credit approval.

Here are some reasons why comprehensive credit reporting is important:

Accurate representation

By considering all aspects of your credit behaviour, CCR provides a comprehensive view of your profile. This results in a more accurate representation of your financial situation and repayment abilities. It further highlights your improvement over time in case of default or bad repayment history in the past. 

Better access to credit

The CCR provides a clear picture of your past and current credit behaviour. This enables lenders to get a better understanding of your financial situation and repayment capabilities. If you are facing financial difficulties, CCR allows lenders to assess your situation comprehensively.  Based on this evaluation, they can offer tailored solutions rather than rejecting your application due to negative past behaviours.

Affordable interest rates

Your repayment history and Debt-to-Income (DTI) ratio are taken into account in the CCR method. Thus, if you have repaid all your dues on time and managed your credit efficiently, your creditworthiness increases. This makes you a low-risk borrower, enabling you to enjoy better terms on your credit options like lower interest rates. This can make the loan/credit card cost-effective and easy to manage.

Here are some things which are included in your credit report with the CRR:

• Historical records of different types of credit accounts opened (e.g., loans, credit cards, Buy Now Pay Later)

• Repayment history and patterns, including positive and negative behaviors

• Dates when you opened and closed credit accounts

• Credit limits on cards and disbursed loan amounts

CCR helps borrowers build a stronger credit profile and gain better access to credit options with improved terms and monitoring. 

Here’s how:

• Fuller credit profile

CCR provides a more complete view of your credit history, highlighting both positive and negative behaviours

• Improved credit scores

Timely repayments increase visibility of good credit habits, leading to higher credit scores

• Access to larger loans

A stronger credit profile enhances eligibility for bigger loans and premium credit cards

• Personalised terms

Borrowers can secure better terms, such as lower interest rates and flexible repayment options, based on a complete credit history

• Proactive monitoring

With real-time updates under RBI’s 2025 rules, borrowers can track their credit through free annual CIRs and make timely improvements

• Dispute resolution

Borrowers can proactively address discrepancies in their reports, ensuring an accurate reflection of their creditworthiness

CCR provides lenders with richer data to make more informed, accurate lending decisions while managing risk effectively.

Here’s how:

• Better risk assessment

CCR offers richer data, helping lenders assess credit risk more accurately and minimise defaults

• Reduced loan pricing risk

A fuller picture of borrower behaviour allows for more precise pricing of loans, minimising losses

• Informed decisions

Lenders can make more personalised lending decisions, based on detailed borrower profiles

• Streamlined portfolio management

Lenders can better manage portfolios with data on applications, credit limits, and guarantors

• Enhanced fraud detection

Bi-monthly updates allow lenders to monitor credit activity for signs of fraud and maintain portfolio health

• Regulatory compliance

Lenders benefit from improved compliance with regulations due to comprehensive borrower data

To make it easier to understand and monitor your credit information, the mobile app offers dedicated widgets that present key data visually:

• Score history

This widget displays your credit score trends for the past 6 months, based on data generated through our platform. If you’re a new user, only the current month’s score will be shown, while the rest of the months will appear blank.

• Credit factors

See what’s helping or hurting your credit score. This widget breaks down the key contributors such as credit utilisation, timely payments, and credit mix to help you make informed financial decisions.

• Repayment history

View a breakdown of your loan and credit card repayments. This helps you track missed or delayed payments and maintain a consistent repayment pattern. You can view the data for the last 36 months for both loans and cards.

This tool is built to give you a clearer understanding of your credit profile, right from your smartphone.