How to Check All Your Loan Details Using Credit Reports

Your credit report is one of the most reliable ways to check all details related to your borrowing in 2026....

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Check Credit Score from All 4 Bureaus

Track Credit Score Seamlessly Every Month

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Google Play Store

4.5_/5

15.6L Reviews

5.7Cr+Satisfied Customers

4Bureau Coverage

800+Cities across India

Why Check Credit Score on Paisabazaar ?

Check Credit Score from All 4 Bureaus

Track Credit Score Seamlessly Every Month

Read Credit Report in Multiple Languages

What is a Credit Report and Why It Matters

A credit report is a detailed document containing all information pertaining to your borrowing and repayment history. It contains your personal details, credit account details (loans, cards), repayment history, etc.

Your credit report gives a holistic view of your credit behaviour to lenders
It helps lenders understand the risk involved in lending to you
A positive history (timely repayments, no missed EMIs) helps your get better loans
A negative history with missed EMIs & late payments may lead to loan rejections

Where Does This Loan Data Come From

The loan data comes from lenders, including banks, NBFCs, MFIs, etc. These lenders report your credit data to the bureaus on a regular interval. As per the latest update of 2026, RBI has mandated lenders (banks/NBFCs) to report credit data to the bureaus on a weekly basis, from earlier fortnightly basis. Based on the data received from the lenders, your credit report is created.

What Loan Details Are Available in a Credit Report

List of all active loans: The ongoing loans in your name
Closed loan accounts: The past credit which you have repaid successfully
EMI amount and repayment history: The time and amount of EMI paid
Loan type: Personal, home, credit card, etc.
Lender name: Details of the bank or the NBFC

What to Do If You Find Incorrect Loan Details

Credit reports can sometimes contain errors. These errors may impact your loan approvals. Hence, it is important to keep your credit report error-free. If you find an error in your credit report, immediately raise it with the credit bureaus, contact the lender to correct it and track resolution.