Credit Scores Biases Discrimination, and What You Can Do to Protect Yourself

Why your credit score may not tell the full story—and how to protect yourself from systemic bias.

Credit scores have become the gatekeepers of modern financial life — influencing whether you get a home loan, a credit card, or even a marriage proposal. A simple number between , generated by analysing your financial history, can define your access to opportunity. Yet beneath this seemingly objective system lies a troubling reality —

Invisible Citizens: When Lack of History Becomes a Penalty

For millions of Indians, particularly those in rural or low-income communities, the problem begins with Regardless of their actual income or reliability, families without prior formal borrowing records find themselves effectively “invisible” to the banking system.

In , Maharashtra Chief Minister