SEBI
Security and Exchange Board of India is regulating credit rating agency in INDIA
there are 7 credit rating agencies in INDIA
There are currently four (4) credit rating bureaus in India: * Credit Information Bureau of India (CIBIL) * Experian Credit Information Company of India (ECIC) * Equifax Credit Information Services (ECIS) * Highmark Credit Rating (HCR)
mc
investment information and credit rating agency of India limited.
Credit Rating Information of India Limited
Credit Rating Information Services of India Limited
according to SEBI(INDIA) credit rating agency cannot rate fixed deposits, real estates, etc.
onida individual credit rating agency of India ltd
who is the regulator of micro finance in india
Illegal harassment by local recovery agencies.
Banks etc are in the business of providing services. There is a separate industry used by banks and other business regarding the credit worthiness/history of individual customers. This industry is called a Credit Rating Service and the companies providing this service (all round the world) gather history relating to the debt load, payment history, Court judgements, bankruptcy etc. of individuals. Banks and other business dealing with individuals will then purchase information about individuals from these Credit Rating agencies before doing business with any individual. Therefore if business will not deal with you, it is not because THEY are blacklisting you, it is because your credit history (held by the Credit Rating Service companies) is bad. In most countries you have a rite to ask for and see your credit history (from these companies) and to challenge and change any FACTUAL mistakes. To help you I include a link below to a UK Credit rating company, look for a similar service in your home country.