Credit ratings need to get personal, scores don't reflect full picture
Advancement in technology has raised the ability of credit data companies to access information about bank customers enhancing the dependability of the data, but it leaves out vital portions of an individuals financial life that would make a difference to his cost of borrowing.
Saikrishnan Srinivasan Experian Srinivasan Jehangir Gai Transunion Cibil Credit Information Companies Regulation Indusind Bank
Source: indiatimes.com