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Category : CIBIL Score
TransUnion CIBIL, India’s leading credit information bureau, has developed the latest version of the credit scoring system, CIBIL TransUnion Score 2.0. It incorporates advanced technology to access and analyse individual data in detail, allowing lenders to make informed credit decisions. Lets understand the features of this new TransUnion CIBIL score 2.0 to gain a better understanding of its importance in the financial landscape. Keep reading!
Category : CIBIL Score
A guarantor is an individual who guarantees to repay the debt if the borrower defaults. Lenders usually ask for a guarantor when the borrower does not have a good credit score or lacks the repayment capacity. However, before being a guarantor, you must know that if the borrower fails to repay the loan, it can affect your credit score. Here’s how being a guarantor affects your credit score. Read on!
Category : CIBIL Score
Whether you are planning to purchase your dream home, open a new credit account, or approach a new investment, your credit score follows you everywhere. A good credit score opens various opportunities, but even a single missed payment can affect it. Here’s a list of 13 things that can ruin your credit score. Read on!
Category : CIBIL Score
A credit score depicts your creditworthiness and repayment capacity. But is a score of 777 good? How does it impact your creditworthiness? Is there a scope for improvement? Let’s answer all your questions.
Category : CIBIL Score
Your CIBIL score is a vital factor indicating your creditworthiness and financial behavior. The Credit Information Bureau India Limited calculates your CIBIL score, which ranges between 300 and 900, based on your loan repayment history, credit mix, credit utilization ratio, etc. CIBIL updates this score from time to time. Read on to learn when your CIBIL score gets updated and the factors responsible for the updates.
Category : CIBIL Score
A credit score is the key factor that lenders evaluate whenever you apply for a new credit. The score indicates your creditworthiness, and it ranges between 300 to 900. But what if you have a zero credit score or a negative score?
Category : CIBIL Score
A credit score is a crucial metric that determines your creditworthiness. Most lenders demand you to have a good CIBIL score of 750 and above, to categorise you as a low-risk borrower. This helps you unlock better credit offers as well as instant loan approval. Read on to learn about 7 simple tips on how to get a CIBIL score of 900. But let us first learn about what is a 900 credit score.
Category : CIBIL Score
The struggle to identify the factors affecting the CIBIL score and devise a strategy to improve your score is real. Since it is a common problem for many, over the years numerous myths have developed regarding these factors that borrowers consider true.
Category : CIBIL Score
As individuals approach the golden years of leisure post-retirement, financial considerations and the significance of a high CIBIL score take centre stage. The transition from a regular income to reliance on savings and, if necessary, borrowing, underscores the importance of CIBIL score and maintaining a strong credit profile.
Category : CIBIL Score
Loan can be a lifesaver when financial emergencies arrive, but sometimes, loan approval procedures can get tricky. In several cases, loan applications get rejected even after having a good CIBIL score.
Category : CIBIL Score
Credit score or credit rating - which one to look for while availing of a loan? It goes without saying that terms like credit rating and credit score are overwhelming. Especially when these terms are often used interchangeably. The fact is, credit rating and credit score hold distinct meanings in the financial landscape
Category : CIBIL Score
Credit utilisation is one of the major factors that influences your credit score. It is an indicator of the lending risk, and lenders assess this ratio to comprehend how well you can manage your revolving credit.
