New borrowers across all age groups in India and abroad perform better than those with established credit and risk scores, finds a global survey of TransUnion, a US-headquartered consumer credit reporting agency. The research titled “Empowering Credit Inclusion: A Deeper Perspective on New-to-Credit Consumers,” highlights that new-to-credit (NTC) consumers are “key contributors” to India’s sustainable financial inclusion and economic growth. It noted that consumers early in their credit journeys usually perform better than borrowers with established credit and risk scores.