My friend Mahesh had a peculiar experience. He had recently moved to Mumbai from a smaller town and was looking around for office premises to rent. He liked one and the rent was acceptable, but his landlord had an issue. He wanted to check out Mahesh’s capacity to pay the rentals on time. Mahesh offered to share his income-tax return statements as well as his credit report with the landlord since he really needed the office premises. The landlord wanted to be certain that the credit report and the income tax returns that he got were genuine and not fabricated.

