New Delhi, Oct. 22 -- For the average borrower, the idea of a credit report often carries an air of complexity. Many only encounter it when applying for a loan, usually at a critical juncture, like financing a home, purchasing a car, or even opting for consumer credit to buy electronics. At such moments, a credit report can suddenly appear daunting, even opaque. Yet, managing and understanding one's credit profile is neither as complicated nor as intimidating as it may first seem.

With growing access to digital platforms, it has never been easier for individuals to obtain and review their credit history. Every Indian borrower today is entitled to one free credit report annually, accessible through the official website of any credit burea...