credit rating - Page 5

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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Common Questions about Credit Scores

A credit score is the summary of your report, numerically represented. This is a three digit number ranging between 300 & 900. The higher this score the better it is. On a general note, any score above 750 is considered a good score and borrowers having this score or more are favoured by lenders. Through this score banks judge your probab...

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Credit Score Myths Unveiled

A credit score lets lenders know whether or not you are a responsible borrower. While most people think they know everything they need to know about credit scores, majority have been blinded by the rampant misconceptions surrounding the calculation of the scores. There are a number of things that your credit bureau and creditors may [&hel...

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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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Housing Price may decline in Mumbai and May go up slightly in Delhi – CRISIL

CRISIL Research expects divergent price trends during the year in Mumbai and NCR (National Capital Region), the two largest residential real estate markets in India. In 2011, prices of houses are likely to decline in Mumbai, whereas prices will rise ...

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Post housing loan scam -developers’ dependence on private money-lenders may increase

The recent housing loan scam would increase developers’ dependence on private money-lenders. While cash flow from various quarters like private equities and investors has already become scarcer, the scam is expected to adversely impact credit flow to...

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Credit rating not necessary for Micro and Small Enterprise (MSE) to get concessional loan

Credit rating is not a necessary requirement for any Micro and Small Enterprise (MSE) to get loan from Banks and Financial Institutions at economical rates. However, credit rating serves as a trusted third party opinion on the creditworthiness of the MSEs and a good rating helps the MSEs in obtaining faster and concessional credit from ba...

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CIBIL making life difficult for Credit card and personal loan defaulters

Credit card and personal loan defaulters are finding that they have nowhere to hide. Armed with a new information service, banks are tracking down defaulters who have gone missing or moved to another town to escape recovery agents. Now, an email alerts the bank whenever an errant borrower resurfaces to fish for a new loan—anywhere in t...

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