cibil - Page 3

A Complete Guide to Credit Score & How to improve it?

A credit score is a rating assigned to an individual on the basis of their credit report. The credit report is a summary of the debt held by an individual, the amount of credit that he or she may have availed in the form of loans or credit cards, the repayment history of the individual, the defaults on any payments, the number of credit a...

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Do you fall in the category of wilful defaulter?

How do you know whether you are classified as a wilful defaulter? Quite simply, if you fit into any of the above four categories, as per the RBI definition you do. But if you’re unsure as to where exactly you fit in, your best bet would be to call for a copy of your credit report and go though it at length. ...

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5 credit tips if you are joining the entrepreneur bandwagon

Entrepreneurship is a dream that many young people in India harbour these days. Recognising the need to support the new wave of entrepreneurship there are many programmes, incubators and contests that serve as a launch pad for many a young entrepreneur who is offering a unique service or product. ...

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Money Management Tips for Good Credit

Whoever said money can’t buy happiness didn’t know how to manage their funds and go for shopping. We all need money, good credit indeed, to fulfil our desires. All the things that bring quantitative satisfaction can be practically owned with money. Managing your funds is an art and those who master this art enjoy good credit throughou...

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Factors that impact your CIBIL score

Banks and financial institutions have a stringent process of screening the loan applications. They use the CIBIL score of an individual to check his credit worthiness. CIBIL (Credit Information Bureau of India) acts like a central database of loan and credit card information. Based on the payment records of customers it calculates a CIBIL...

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Is the three-digit CIBIL score a big deal?

The CIBIL score is an integral part of every individual’s financial life, and is viewed seriously by lenders today. What a score does, in a nutshell, is indicate a borrower’s creditworthiness to a bank or financial institution, which is taken into consideration while determining whether to accept or reject a loan or credit card applic...

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Free CIBIL score: on every Indian’s wishlist

Credit score as an essential part of financial services has slowly caught up in India over the past few years. There are also more players in the market compared to as recently as a little over a decade ago. That said, in a shift from purely financial services, the usage of credit scores is now […]...

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Quick tips to improve your CIBIL score

Your CIBIL score is a three digit number, in the range 300-900. In today’s date this number has assumed immense significance with banks unwilling to lend to anyone who does not have a score above 750. It is a good financial practice for you to make a constant effort to improve CIBIL score, as the […]...

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Free CIBIL Scores In India ?

CIBIL scores are increasingly becoming important in our life. This three digit numerical expression of our credit wellbeing does not only impact the access to loans and funding, but has started to have a bearing on other financial aspects as well.  Thus, it becomes highly important for one to be able to maintain a good […]...

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CIBIL TransUnion conundrum, cleared

CIBIL TransUnion score, a puzzle for many and hassle for some, cleared!!!! CIBIL stands for Credit Information Bureau (India) Limited, which, in association with Dun & Bradstreet and TransUnion provides information w.r.t. a person’s credit discipline to financial institutions looking forward to sanction loans and/or issue Credit car...

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