Home Credit report 4 things that are not mentioned in your credit report; find out here

4 things that are not mentioned in your credit report; find out here


Pay slips and bank account statements are often used to prove your financial stability. But, sometimes they might not be enough. In such cases, you may also be asked to submit your credit report to prove your financial strength. Therefore, it is common to be asked for a credit report for a phone connection, a new job or even at a wedding to assess your financial stability.

It is therefore important to maintain a good credit score, which depends on various factors ranging from repayment history, length of credit history to your credit usage. But do you know that not all financial transactions are part of your credit file. Here are 4 such transactions that are not on your credit report.


A credit bureau is regulated by the Credit Information Company Act with the Reserve Bank of India as the regulator. Any addition or deletion of factors that determine your score is governed by law within the jurisdiction of the regulator. Currently, investments like mutual funds, stocks, or insurance are not part of the credit score.

Transaction details on your card

It is important to know that transactions on your credit card are not part of your credit report. Where you spend isn’t shown on the credit report, but how consistently you make your payments is shown. Therefore, it is advisable to pay all your credit card bills on time, as payment history accounts for almost 35% of your total score on your credit report. Otherwise, to improve your credit score, you should maintain the non-overdue status for as long as possible.

Savings account

Your savings account information is not part of your report. So, if your funds are below the minimum account balance, it is not reflected in the credit report. These are the loan and borrowing details that are part of your credit score and report.

Utility payment details: Utility companies use credit bureau data for credit requirements, but utility payment details are not part of your credit score. Any failure to pay utilities is therefore not reflected in your credit report.