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Give Customers Free Copy of Credit Profile: RBI Report

Customers should be given a free copy of their credit profile as it would help promote financial discipline among loan seekers,an RBI report says.Providing customers with a free copy of their Credit Information Reports (CIRs) would help create awareness about the need to have credit discipline,enable customers to correct their behaviour and improve their score well before they plan to avail fresh credit of any kind..., the report said.The move would also help detect identity theft at an early stage,it said.Report of the Committee to Recommend Data Format for Furnishing of Credit Information to Credit Information Companies (CICs) has been put up on RBIs website for comments.

Economic Times, New Delhi, 24-03-2014