New Delhi, Aug. 11 -- How many of us regularly check the health app on our phones, use a smart ring, or wear a multi-utility wristwatch that keeps us updated on our health parameters? I guess most of us do - from Gen Z to older generations.

Now think: how many of us closely monitor the stock market, whether it's the Nifty, Sensex, or even the Dow Jones? But here's the real question: how many of us monitor our credit report, of course not daily, but at least periodically, once a quarter, or a few times a year?

It's surprising to see that while so many financially active and eligible people have taken some form of credit, say a credit card, a home loan, or a car loan, many of them have never even looked at their credit report.

Data indic...