Financial institutions carefully examine your credit history, including details about your credit cards, loans, and other credit facilities, to determine the interest rate on the loan and assess your overall credit eligibility. It is important to periodically review your credit report and credit score to detect inaccuracies or errors that can negatively impact your credit score. Pay close attention to key sections such as credit accounts, repayment history, personal details, credit report inquiries, and credit utilization ratio. If you find any errors, raise a dispute with the credit bureau and provide supporting documents to rectify them.
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