New Delhi, July 30 -- Every individual in the country is entitled to one free credit report every year from each of the four leading credit bureaus, according to the Reserve Bank of India guidelines. The four bureaus are TransUnion CIBIL, CRIF High Mark, Equifax, and Experian.

Here is a step-by-step guide that will assist aspirational individuals in procuring their free credit report directly from the official website of the above-mentioned credit bureaus.

Therefore, do keep in mind to always use the official portals of each credit bureau for maximum data security and privacy. Furthermore, checking and downloading your credit report is a 'soft inquiry' and it does not negatively influence the credit score.

On the contrary, reviewing yo...