New Delhi, June 29 -- When you apply for a loan or a credit card, lenders do not only look at your income or documents. They also evaluate your credit profile to understand how responsibly you have managed credit in the past.

This is where a credit bureau plays an important role. Credit bureaus collect and analyse your credit-related information to create credit reports and credit scores. These insights help lenders assess your creditworthiness and make informed lending decisions.

Understanding how credit bureaus work can help you become more aware of your financial profile, track your credit health, and take steps towards building stronger credit habits.

What is a credit bureau?

A credit bureau is an organisation that collects inform...