CIBIL score

DTI Ratio Explained: How a high debt-to-income ratio can lead to loan rejection & how to improve

Fri, Oct 11, 2024

Learn about the Debt-to-Income (DTI) Ratio and its impact on loan approval. Understand how a high DTI ratio can lead to loan rejection and discover ways to improve your DTI for better financial health.

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Credit Score Myths: Clear these 5 misconceptions now to avoid financial harm

Fri, Oct 04, 2024

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6 things that are stopping you from achieving 800+ Cibil score

Wed, Aug 14, 2024

A credit score of 800 and over can help you get the best interest rates from lenders. A credit score below 600 can dim your chances of getting a loan, or getting it at a high interest rate. Missing equated monthly instalment (EMI) or the credit card bill can dent your Cibil score. But if you want to avail credit facilities such as a credit or a home loan, it is important to know the key factors that form your Cibil score. 

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What’s the lowest acceptable credit score for a personal loan?

Thu, Sep 14, 2023

Maintaining a good credit score is important for availing a personal loan at a reasonable interest rate. The lenders may approve personal loans despite your low credit score, but they may charge higher interest rates.

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Personal Loan: Does a low CIBIL score affect the rate of interest on your loan?

Sat, Sep 02, 2023

Acquiring a personal loan might seem easy, however, if your CIBIL score is low the scenario can be the complete opposite.

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Discrepancy in CIBIL score: How to rectify it to improve credit score?

Thu, Aug 31, 2023

As soon as you identify a discrepancy, fill the dispute form available on the CIBIL website. CIBIL score discrepancies can be resolved in less than two months, however, it can take longer if the lender disagrees with your claim and you need to appeal with CIBIL again.

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Personal Loan: Tips to improve your credit score for quick and easy loan approvals

Tue, Aug 29, 2023

The borrower's credit score is the most important factor for lenders while approving a personal loan. Lenders often prefer credit scores for 750 or above to approve a personal loan.

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Cibil Score: Being debt-free is good for your Credit score; know its benefits

Wed, Aug 23, 2023

A high credit score helps to get quick approval for loans and other credit instruments. It’s important to have a good credit history for a high CIBIL score.

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Credit Card Use: These mistakes can spoil your CIBIL score badly

Fri, Aug 04, 2023

If you don’t repay your credit card bills, loan instalments or EMIs, your debt will go up. This will affect your CIBIL score negatively. If you have a lot of pending dues or bills, your CIBIL score will go down. Ensure that you pay all your bills on time.

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CIBIL score on Google Pay: Here's how you can check your credit score

Wed, Aug 02, 2023

Google Pay's CIBIL score tracking provides actionable suggestions to improve your credit score, enabling you to make informed financial decisions and improve your credit health. The new feature allows users to easily check their CIBIL score for free, right within the Google Pay app.

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India360: Will 'Buy Now Pay Later' can affect your CIBIL Score?

Thu, Jul 20, 2023

BUY NOW-PAY LATER: Do you know that if you choose a service like Postpaid or Pay Later on an app or e-commerce site, then the personal loan starts in your name?

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Apki Khabar Apka Fayda: Will not get job on Cibil Score less than 650?

Tue, Jul 04, 2023

Cibil Score: The condition of better Cibil Score has been added for the job. CIBIL Score or Credit Score is a mirror of a person's credit history. Most of the people understand that bad credit score only affects your financial aspect, but it is not so. Weak or bad credit score can also affect your job. If you want to change the job and or you have come in a new company, then the company not only examines your resume,Rather, they also check your credit score. If you are not able to give the credit score, then NOC will have to be given by the bank for not paying any dues. If the candidate fails to give NOC, then the offer letter of the candidate can be withdrawn, it can also be canceled

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Credit History: How to improve CIBIL score? Follow these steps

Tue, Apr 25, 2023

A person with good financial management always has a better CIBIL Score. Banks avoid lending to individuals with lower CIBIL scores because they are seen to be less creditworthy, they borrow more and do not repay on time. 

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CIBIL Score: Tips to improve credit score after loan default

Thu, Dec 22, 2022

CIBIL Score: Fortunately, there are steps you can take to improve your CIBIL score after defaulting on a loan or credit card payment.  

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Home Loan Tips: Banks use THIS tool to approve loans at lower interest rate — Check details

Sat, Dec 17, 2022

CIBIL Score for Loan: Credit score is the perfect tool to esimate a person's financial status and credit-worthiness. When looking to apply for a loan, your credit score decides if banks will lend to you and at what rate of interest you get your loan.

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Money Guru: What Is Credit Score? How Is CIBIL Score Calculated? Expert Decodes

Mon, Jul 18, 2022

Credit score tells your credit history. CIBIL Score is your credit score. If the CIBIL score is less then there will be problem. CIBIL decides the credit score. Keep credit card due balance low. Pay EMIs on time. Avoid taking excessive unsecured loans. Do not apply too much to get a loan. Banks check the CIBIL report on the loan application. The report is prepared on the basis of loan, credit card payment. Banks take decision on loan approval/rejection from CIBIL report: Vikas Puri, West Zone Head of Complete Circle Consultant. Watch Money Guru for more details.

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Money Guru: How To Take Care Of Your CIBIL Score For Better Financial Planning? Watch This Video For Details

Thu, Jun 30, 2022

Credit score tells your credit history. CIBIL Score is your credit score. If the CIBIL score is less then there will be problem. CIBIL decides the credit score. Keep credit card due balance low. Pay EMIs on time. Avoid taking excessive unsecured loans. Do not apply too much to get a loan. Banks check the CIBIL report on the loan application. The report is prepared on the basis of loan, credit card payment. Banks take decision on loan approval/rejection from CIBIL report: Vikas Puri, West Zone Head of Complete Circle Consultant. Watch Money Guru for more details.

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Easy Tips To Improve Your CIBIL Score

Mon, Feb 21, 2022

A good CIBIL score helps you in availing various types of loans. Having a bad CIBIL can affect your ability to get loans of huge amounts such as home loan etc. Here are some tips that you can follow to improve your CIBIL score.

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How to rectify errors in your CIBIL report? Know step by step process here

Tue, Nov 30, 2021

While the CIBIL score is calculated on the basis of your repayment details provided by lenders and credit card issuers to CIBIL, sometimes, one may come across errors in the Credit Information Report or CIBIL Report.

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CIBIL Score: What is credit score, how to check it for free? know benefits here

Mon, Oct 04, 2021

CIBIL score is a three-digit number that ranges from 300 to 900 and represents an individual’s creditworthiness. A good CIBIL score helps you in availing loans at competitive interest rates from financial institutions.

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What is your CIBIL score? Most borrowers in India are in the dark, shows Home Credit survey

Thu, Dec 03, 2020

Home Credit India, a local arm of the international consumer finance provider with operations spanning over Europe and Asia, conducted a research across 7 cities, to understand the levels of financial literacy amongst the borrowers. Close to 1,000 respondents were interviewed in the survey.

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CIBIL Score check online: PAN card number is enough do this free; here is how

Wed, Jul 08, 2020

CIBIL Score check online: Maintaining better CIBIL score is important as it is directly related to one's eligibility to loan approval.

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CIBIL Score Check on WhatsApp! Yes, it is very much possible! And it's FREE

Thu, Apr 23, 2020

Free CIBIL Score on WhatsApp: In today's financial world, CIBIL score means a lot for the bank account holder. Your CIBIL score is one of the major factors for approval or rejection of any bank loan.

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