The first step towards becoming an aware credit user is to know your credit score. However, merely knowing your credit score is not enough. You should know how to read and analyse your credit report as well. Doing so shall help you in identifying and understanding the factors that are leading to a low credit score, if any. Also, if there are any discrepancies in the report, the same can be tackled if one comprehends their credit report.
How to Read your Credit Report
To read and understand what is stated in your CIBIL report, you need to be familiar with its components. Check for these in your report and you will be able to make an understanding of where you report is indicating.