New Delhi, June 16 -- Credit bureaus are increasingly vigilant about identifying "credit-hungry" consumers, signalling this behaviour through frequent loan applications or hard inquiries. This can influence your credit score and lender behaviour significantly.

Credit bureaus monitor hard enquiries, applications for loans or credit cards. Multiple hard inquiries within a short duration of time may signal credit hungry or loan‑dependence behaviour to lenders. RBI‑mandated fortnightly reporting since January 2025 has fast‑tracked borrowers' activities into credit files. This heightened frequency means high-risk patterns are detected more rapidly.

Not only this, as a responsible borrower you should try to ensure that...