cibil

Will More Borrowing Improve My Credit Score or not?

Finance - Indians today are far more aware about the credit score and its importance. And as the awareness levels grow, so does the inquisitiveness on how does one manage and maintain the credit score. At Credit Sudhaar, we have experienced people having lots of views on this which can be passed on as nothing but misconceptions. […]...

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Must follow rules before taking a Business loan

Finance - Timely finance is the cornerstone of running a successful and profitable business. Not having access to funds when required could become an impediment for any businessman be it an owner of a small setup or a big one. Business loans like all other loans are extended based on certain conditions being fulfilled by the applicant […]...

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Avoid financial crisis, be aware of your credit score

Finance - Have you heard or read about the concept of credit report? Are you aware of your credit score? No? Then, you are making one of the most common and biggest financial mistakes. Not being aware of your credit score means you have no idea if banks will lend you money and if they do, at what rates. And in case of a financial emergency when you...

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Can you get a personal loan with bad credit?

Finance - Financial hardship can strike anyone. Unexpected events, changes in employment status, illness or changes in the income levels may significantly impact one’s cash flows. At such times it may be difficult to keep up with the debt obligations and bill payments....

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What is ‘willful defaulter’ and how to check list?

Finance - Failing to pay your dues such as loans EMI, cards bill or any other credit outstanding is termed as default. The default literally bleeds your CIBIL score and credit worthiness. So you should always plan your loans and try to make payments before time. It not only helps you build your credit score but also makes you credit ready for futur...

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Free Credit Information or CIBIL Report to individual assessee

Finance - WEF 01.01.2017, all Credit Information Companies shall provide, upon request provide a Free Full Credit Report popularly known as CIBIL report ...

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CIBIL Report one of the factors to be considered before granting any loan

Finance - The information contained in the CIR (which contains credit score) would be one of the factors that banks would consider before granting any credit facility to a prospective borrower. However, it will be the commercial judgment of the concerned credit institution to grant loan or other wise to such borrowers based on their Board approved ...

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CIBIL launches Credit Information Reports for companies

Finance - Leading credit information company, CIBIL, on Wednesday launched Credit Information Reports for companies to help them access the system data before they go for raising a loan or other financial dealings. Till now, Credit Information Bureau India (CIBIL) shared data regarding a company's financial history (loans drawn earlier, repayment ...

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To recover loans bank showing defaulting customers fear of reporting their name to the Credit Information Bureau

Finance - To recover dues, bankers are trying to put the fear of God into obstinate defaulters to pay up. And how? By making it plain that they could get reported to the Credit Information Bureau, bankers have been able to achieve a modicum of success in recov...

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Entry of 3 new credit rating agencies may ensure speedy loan approval and faster dispute resolution

Finance - Borrowers often find their home or auto loan applications rejected due to credit rating scores from the Credit Information Bureau of India, or Cibil. And sometimes, even though they may not have defaulted, it can be the outcome of a dispute with a ba...

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Submission of Credit Information to Credit Information Companies – Dissemination of Credit Information of suit-filed accounts

RBI/2011-12/165 DBOD.No. CID.BC. 30/20.16.042/2011-12 - (05/09/2011) - Submission of Credit Information to Credit Information Companies – Defaulters of Rs. 1 Crore and above and Wilful Defaulters of Rs. 25 lakh and above – Dissemination of Credit Information of suit-filed accounts...

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Submission of information to Credit Information Companies

RBI/2010-11/286 DNBS(PD-SC/RC).CC. No. 23 /26.03.001/2010-11 - (25/11/2010) - It is therefore, advised that SC/RCs on becoming member /members of any Credit Information Company / Companies may provide them the current data in the existing format if not already furnished by the banks/FIs from whom SC/RCs acquire the assets. Care should be taken to ensure that accurate data / ...

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Submission of data to Credit Information Companies

RBI/2010-11/191 RPCD.CO.RF.BC.No.17/07.40.06/2010-11 - (06/09/2010) - We advise that apart from Credit Information Bureau of India Ltd., (existing credit information company in operation since January 2001), the Reserve Bank of India has issued certificate of registration to Experian Credit Information Company of India Pvt. Ltd. and Equifax Credit Information Services...

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List of Credit Information Companies

UBD.CO.BPD.Cir.No. 60/09.11.200/2009-10 - (29/04/2010) - In this connection, we advise that apart from Credit Information Bureau of India Ltd., (existing credit information company in operation since January 2001) DBOD has recently issued certificate of registration to Experian Credit Information Company of India Pvt. Ltd. and Equifax Credit Information S...

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Grant of ‘Certificate of Registration’ – For commencing business of credit information – Experian Credit Information Company of India Private Ltd

RBI/2009-10/345 , DBOD.No.DL.15214 /20.16.042/2009-10 - (09/03/2010) - As you are aware, Credit Information Bureau of India Ltd.(CIBIL) has been functioning as a Credit Information Company (CIC) from January 2001 onwards and banks and Financial Institutions have been reporting data to CIBIL as per our letters DBOD No. DL.BC.111/20.16.001/2001-02 and DBOD No. DL.BC.29 /...

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Recent Posts in "cibil"

Will More Borrowing Improve My Credit Score or not?

Indians today are far more aware about the credit score and its importance. And as the awareness levels grow, so does the inquisitiveness on how does one manage and maintain the credit score. At Credit Sudhaar, we have experienced people having lots of views on this which can be passed on as nothing but misconceptions. […]...

Read More
Posted Under: Finance |

Must follow rules before taking a Business loan

Timely finance is the cornerstone of running a successful and profitable business. Not having access to funds when required could become an impediment for any businessman be it an owner of a small setup or a big one. Business loans like all other loans are extended based on certain conditions being fulfilled by the applicant […]...

Read More
Posted Under: Finance |

Avoid financial crisis, be aware of your credit score

Have you heard or read about the concept of credit report? Are you aware of your credit score? No? Then, you are making one of the most common and biggest financial mistakes. Not being aware of your credit score means you have no idea if banks will lend you money and if they do, at what rates. And in case of a financial emergency when you...

Read More
Posted Under: Finance |

Can you get a personal loan with bad credit?

Financial hardship can strike anyone. Unexpected events, changes in employment status, illness or changes in the income levels may significantly impact one’s cash flows. At such times it may be difficult to keep up with the debt obligations and bill payments....

Read More
Posted Under: Finance |

What is ‘willful defaulter’ and how to check list?

Failing to pay your dues such as loans EMI, cards bill or any other credit outstanding is termed as default. The default literally bleeds your CIBIL score and credit worthiness. So you should always plan your loans and try to make payments before time. It not only helps you build your credit score but also makes you credit ready for futur...

Read More
Posted Under: Finance |

Why is it important to maintain a good credit score?

Having a good credit score can make or break your loan application. In many cases, it can be the deciding factor between approval and rejection. ...

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Posted Under: Finance |

Top Seventeen Credit Mistakes That Should Be Avoided

Here we have a list of credit mistakes that should be avoided by all. Avoiding these mistakes will be beneficial for maintaining a good credit score and availing good credit from the lenders. ...

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Posted Under: Finance |

Be credit alert to be credit healthy

Life is tough for 35-year-old Sachin Shinde who moved from Solapur to Mumbai about five years back. Working as an executive assistant of a film director earns him just about enough to survive in a big city like Mumbai where his dream is to give his daughter a good education. ...

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Posted Under: Finance |

Can One Get Loan without Credit Check – The Case of a Common Man

If only HDFC did not check his background they would get a loan smoothly. If only HDFC would understand that the Motwanis had every intention to repay their debts. Priya was in tears when their loan application was declined due to Jitesh’s bad CIBIL score....

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Posted Under: Finance |

Applying for Home Loan – Avoid Bad Practices for a High Credit Score

A good credit score is of optimum importance when you apply for a home loan to buy that house you always dreamed of living in. If you want a hassle-free home loan approval, you must have a credit score of 700 and above. ...

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Posted Under: Finance |
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