Starting a new weekly series on The Finance Lab where we will publish the major business news from the week in an easily consumable format.

Here are the weekly finance bytes for the duration 13th - 18th Sep, in under 2 minutes!

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Compiled by: Anshul

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We read and hear news of people getting laid off, someone getting a huge medical bill, someone spending lacs on getting their car repaired because the damage was not covered under insurance. And yet, we refuse to accept that we may end up in a similar situation someday. Psychologists call this *optimism bias* - that enduring, it-won't-happen-to-me belief, no matter what the odds are.

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As per an RBI rule, an individual can get one free credit report every year from each of the four credit agencies in India- TransUnion CIBIL, Equifax, Experian, and High Mark CRIF. This means in a year you can get 4 credit reports. While this report is not as exhaustive as a paid report, it can be used to check your credit score and verify all the information present in the report. Here's how you can get your report.

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In the last article 'how to improve your CIBIL score', we discussed the factors that influence a credit score and how one can maintain a healthy credit score. But there could be instances when the credit score is already damaged due to incorrect information with CIBIL. Or, the Credit Score is fine but some personal information in the report is incorrect, due to which the loan gets rejected. In such situations, people rush to Credit Repair companies and pay heavily from their pockets to get the CIBIL data rectified.

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