title = "CIBIL Score and Loan Eligibility"

content = """
CIBIL (Credit Information Bureau India Limited) and other bureaus
maintain credit reports and scores. Banks use them to assess
creditworthiness for loans and cards.

**What it is:** A credit score (e.g. 300–900) reflects past
repayment behaviour. Higher score generally means better eligibility
and possibly lower interest rate. Report shows active loans, cards,
and payment history.

**How to improve:** Pay EMIs and dues on time, avoid excessive
credit, and correct errors in the report. Building a score takes
time.

**How to check:** Customers can request a free full report once
a year from CIBIL and other bureaus through their official sites.
Banks do not provide the score; they use it for internal assessment.

**Pragati Bank:** The retail agent can explain that loan eligibility
depends on income, existing obligations, and credit score, and
direct customers to official bureau websites to check their own
report. The agent does not have access to or provide the score.
"""  # noqa: E501

version = "0.0.1"
