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Credit Scores in India: Types, Features, and Financial Impact
Credit scores play a pivotal role in our financial lives. A good credit score can open doors to better financial opportunities, while a poor one can limit them. These can include your ability to secure loans, credit cards, and even rent an apartment. However, various types of credit scores apply in India, and though the CIBIL score is prominent, each can differ from others. Understanding the differences between these is essential for managing your finances better. This blog will explain the different types of credit scores, pertinent features, and how to read and interpret them, empowering you to make informed financial decisions.
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Table of Content
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Types of Credit Scores
There are four major types of credit scores in India you should be aware of. These are –
1. CIBIL Score
The CIBIL score, issued by TransUnion CIBIL, is India’s most widely used credit score. A credit score can be anything between 300 and 900. The higher the score, the more reliable you appear to lenders. This score is calculated based on an individual’s credit history, including loan and credit card repayment behaviour. Lenders use the CIBIL score to assess the lending risk to a borrower. A score above 750 is generally considered good and increases the chances of loan approvals and favourable interest rates. Regular monitoring and timely repayments can help maintain a healthy CIBIL score.
CIBIL Range | Rating |
800 – 900 | Excellent |
750 – 799 | Good |
650 – 749 | Fair |
550 – 649 | Poor |
300 – 549 | Very Poor |
2. Experian Credit Score
Experian is another type of credit score lenders use to evaluate your reliability and financial strength. The Experian credit score ranges from 300 to 850, with a higher score signifying lower credit risk. This score considers various factors such as payment history, outstanding debt, length of credit history, types of credit accounts, and recent credit inquiries. Experian’s scoring model helps lenders make informed decisions regarding loan approvals and interest rates. Checking your credit report regularly and keeping a good credit history is key to having a strong Experian score.
Experian Range | Rating |
830 – 850 | Excellent |
800 – 829 | Very Good |
740 – 799 | Good |
670 – 739 | Fair |
580 – 669 | Poor |
300 – 579 | Very Poor |
3. CRIF High Mark Credit Score
CRIF High Mark provides a comprehensive credit score in India, ranging from 300 to 900. This score reflects an individual’s credit behaviour, considering aspects like repayment history, outstanding balances, credit mix, and new credit inquiries. A score closer to 900 suggests a high credit standing and can lead to quicker loan approvals and low interest rates. Numerous financial institutions utilise CRIF High Mark scores for credit risk assessment. Regularly monitoring this score and managing credit responsibly are vital for maintaining a strong CRIF High Mark credit score.
CRIF High Mark Range | Rating |
850 – 900 | Excellent |
700 – 850 | Good |
500 – 700 | Fair |
300 – 500 | Poor |
4. Equifax Credit Score
Equifax, a global credit information company, offers a credit score in India that ranges from 300 to 900. This type of credit score considers factors like credit utilisation, payment history, credit mix, and recent credit behaviour. A higher Equifax score indicates a low risk to lenders and can result in better loan terms. Regularly reviewing the Equifax credit report and ensuring timely repayment of dues can help maintain or improve this score. It is a critical tool for lenders and borrowers in credit decision-making.
Equifax Range | Rating |
800 – 900 | Excellent |
740 – 799 | Very Good |
670 – 739 | Good |
580 – 669 | Fair |
300 – 579 | Poor |
How to Read the Credit Score?
Here are some key points to consider for interpreting various types of credit scores:
Score Range
The different credit scoring models have different ranges. For instance, the CIBIL score ranges from 300 to 900, while the FICO score ranges from 300 to 850. Knowing the range helps you understand where your score stands relative to the maximum possible score.
Score Breakdown
Most credit reports provide a breakdown of how your score is calculated. This typically includes payment history, amounts owed, length of credit history, new credit, and types of credit used. Understanding these components can help you identify areas for improvement.
Credit Report
Your credit report contains detailed information about your credit history, including credit accounts, payment history, and any negative items such as late payments or defaults. Reviewing your credit report regularly helps you ensure the accuracy of the information and address any discrepancies.
Factors Affecting Your Score
Several things affect your credit score, which determine how reliable you are seen by lenders when it comes to borrowing money. Understanding these elements can help you maintain and improve your score. Following are the certain key factors affecting any type of credit score in India:
- Payment History: Consistently paying your bills on time significantly impacts your credit score, reflecting reliable financial behaviour.
- Amounts Owed: Keeping your credit card balances low relative to your credit limits helps maintain a good score, as it reduces your credit utilisation ratio.
- Length of Credit History: A longer credit history generally contributes positively to your credit score, showing extended experience in managing credit.
- New Credit: Frequently opening or applying for new credit accounts can lower your score temporarily due to the hard inquiries and perceived risk.
- Types of Credit: A mix of credit types, such as credit cards, mortgages, and personal loans, can positively influence your score as it demonstrates varied credit management skills.
Improving Your Credit Score
Improving your credit score requires consistent effort and responsible financial habits. However, as you focus on key areas, you can gradually enhance your financial reliability. Here are some effective strategies to improve various types of credit scores:
- Timely Payments: Ensure all your bills and credit obligations are paid on time. Late payments can significantly lower your credit score and hurt your creditworthiness.
- Reduce Debt: Aim to pay down existing debts and keep credit card balances low. High balances can negatively affect your credit utilisation ratio, impacting your score.
- Limit New Credit Applications: Avoid applying for multiple credit accounts quickly. Each application can temporarily lower your score due to hard inquiries.
- Monitor Your Credit Report: Regularly check your credit report for accuracy and dispute any errors. Mistakes in your report can unjustly lower your score and affect your financial health.
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About Credit Score
- Does Checking Your CIBIL Score Impact Your Credit Score?
- How to Avoid Credit Repair Scams and Protect Your Credit Score
- Difference Between Equifax & CIBIL Score
- How Student Loans Influence Your Credit Score
- How Bankruptcy Impacts Your Credit Score
- Best CIBIL Score For Loans
- Low Credit Score Personal Loans: How to Get Approved Fast
- Credit Counseling and Financial Education in India
- CIBIL Scores for Business Credit Cards
- PNB CIBIL Score: Checking Process, Importance and Loan Approval Criteria
- List of Banks Giving Home Loan With Low Cibil Score
- Dealing with Debt Collectors & Credit Protection
- How to Get Home Loans with a Low CIBIL Score
- CIBIL Score Range: Chart, Maximum Score, and Good Credit Score Tips
- CIBIL Scores for Business Loan: Minimum Requirements
- CIBIL Score for Home Loan: Key Factors and Tips for Approval
- Joint Accounts and Credit Score Management
- CIBIL Score for Personal Loan
- Role Of Income In Credit Score Calculation
Loans
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- Union Bank of India Personal Loan of 9 lakh
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- Indian Bank small loans
- IDBI Bank Salaried Employee Personal loan
- 20 Lakh Home Loan EMI
- HSBC Bank Overdraft Loan
- HSBC Bank Personal Loan Transfer
- Yes Bank Travel Loan
- Kotak Travel Loan
- HDFC Personal Loan of 2 Lakh
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- HDFC Personal Loan of 4 Lakh
- SBI Personal Loan of 20,000
- Bank Of Baroda Small Loans
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- SBI Personal Loan of 3 Lakh
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- SBI Personal Loan of 5000
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- Bank of India Medical Loan
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- Bank of Maharashtra Wedding Loan
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- Karnataka Bank Wedding Loan
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- Punjab & Sind Bank Medical Loan
- Federal Bank Medical Loan
- Union Bank Small Personal Loan
- Federal Bank Travel Loan
- ICICI Bank Personal Loan Balance Transfer
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- Yes Bank Personal Loan of 1 Lakh
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- Home Loan for 70000 Salary
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- Axis Bank Personal Loan of 15000
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- Axis Bank Personal Loan of 4 lakh
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- Federal Bank Personal Loan of 10 Lakh
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- ICICI Personal Loan of 10 Lakh
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- Punjab Sind Bank overdraft loan
- RBL Bank Personal Loan of 8 Lakh
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- Union Bank of India Personal Loan of 1 lakh
- Federal Bank Personal Loan of 50000
- Union Bank Self Employed Personal loan
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- RBL Bank Personal Loan Transfer
- Yes Bank Personal Loan of 7 Lakh
- Canara Bank Personal Loan of 10 Lakh
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- Yes Bank Home Loan Eligibility Calculator
- 1 crore Home Loan EMI
- 50 Lakh Home Loan EMI
- 25 Lakh Home Loan EMI
- Union Bank Home Loan Eligibility Calculator
- Karur Vysya Bank Personal Loan for Doctors
- IDFC First Bank Personal Loan of 5000
- RBL Bank Personal Loan of 9 Lakh
- ICICI Bnak Personal Loan for Doctors
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- IDFC First Bank Personal Loan of 10000
- RBL Bank Personal Loan of 6 Lakh
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- Karnataka Bank small loans
- IDFC First Bank Personal Loan of 1 Lakh
- Home Loan Eligibility Calculator
- IDFC First Bank Personal Loan of 40000
- SBI Government Employees Personal Loan
- SBI Salaried Employee Personal Loan
- Canara Bank Personal Loan of 9 Lakh
- 10 Lakh SBI Home Loan
- Indian Bank Personal Loan of 9 lakh
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- SBI Housewife Personal Loan
- Kotak Mahindra Bank Personal Loan of 5 Lakh
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- Canara Bank Personal Loan of 7 Lakh
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- SBI Personal Loan for Doctors
- Yes Bank Personal Loan of 50000
- SBI Personal Loan for Lawyers
- IDFC First Bank Personal Loan of 50000
- Canara Bank Personal Loan of 6 Lakh
- Union Bank of India Personal Loan of 50000
- Union Bank Senior Citizens/Pensioners Personal loan
- BOB Senior Citizen Personal Loan
- Yes Bank Personal loan for Doctors
- Axis Bnak Personal Loan for Doctors
- Axis Bnak Self Employed Personal Loan
- Federal Bank Salaried Employee Personal loan
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- Axis Bank Fast Forward Home Loan Scheme
- Axis Bnak Housewife Personal Loan
- Kotak Mahindra Bank Personal Loan of 3 Lakh
- Indiabulls Home Loan Eligibility Calculator
- Kotak Home Loan Eligibility Calculator
- Federal Bank Students Personal loan
- 80 Lakh Home Loan EMI
- IDFC First Bank Personal Loan of 4 Lakh
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- Kotak Mahindra Bank Personal Loan of 4 Lakh
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- Yes Bank Students Personal loan
- Yes Bank Personal Loan of 4 Lakh
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- Axis Bank Personal Loan of 30000
- Indusind Bank Personal Loan of 4 Lakh
- Yes Bank Personal Loan of 8 Lakh
- RBL Bank Personal Loan of 5 Lakh
- Federal Bank Personal Loan of 8 Lakh
- RBL Bank Personal Loan of 1 Lakh
- IDBI Bank Flexi Loan
- Indusind Bank Personal Loan of 10 Lakh
- Canara Bank Salaried Employee Personal loan
- ICICI Personal Loan of 7 Lakh
- Federal Bank Personal Loan of 5 Lakh
- Personal Loan for Government Employees
- Yes Bank Salaried Employee Personal loan
- Yes Bank Personal Loan of 6 Lakh
- RBL Bank Personal Loan of 40000
- ICICI Credit Card Application Status
- PMEGP Loan
- ICICI Personal Loan of 6 Lakh
- IDFC First Bank Personal Loan of 10 Lakh
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- Kotak Bank Housewife Personal Loan
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- Kotak Bank Personal Loan for Lawyers
- PNB Personal Loan of 3 Lakh
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- RBL Bank Salaried Employee Personal loan
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- HDFC Personal Loan of 15000
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- Canara Bank Personal Loan for Doctors
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- Home Loan for 40000 Salary
- 15 Lakh Home Loan EMI
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- 70 Lakh Home Loan EMI
- Kotak Mahindra Bank Personal Loan of 9 lakh
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- IDFC Home Loan Eligibility Calculator
- Canara Bank Personal Loan for Lawyers
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- IndusInd Bank Overdraft Loan
- HSBC Bank Flexi Loan
- HDFC Personal Loan of 20000
- Yes Bank Housewife Personal loan
- ICICI Bank Overdraft Loan
- PNB Personal Loan of 4 Lakh
- Federal Bank Personal Loan of 9 Lakh
- HDFC Personal Loan of 50000
- Personal Loan of 20 Lakh
- Indusind Bank Personal Loan of 30000
- Personal Loan for CIBIL Score 650
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- PNB Personal Loan for Doctors
- Federal Bank Overdraft Loan
- SBI Overdraft Loan
- Union Bank Flexi Loan
- IDFC Salaried Employee Personal Loan
- HDFC Bank Overdraft Loan
- Personal Loan for CIBIL Score of 700
- IDBI Bank Senior Citizens/Pensioners Personal loan
- Union Bank Personal Loan Transfer
- 4 Crore Home Loan EMI
- 55 Lakh Home Loan EMI
- IDFC First Bank Overdraft Loan
- Axis Bank Overdraft Loan
- PNB short term personal loan
- Kotak Bank Overdraft Loan
- IDFC Students Personal Loan
- Yes Bank Overdraft Loan
- Canara Bank Overdraft Loan
- ICICI Bank Flexi Loan
- Bank of Maharashtra personal loan transfer
- SBI Flexi Loan
- Kotak Bank Flexi Loan
- Loans
- Bank of India Senior Citizens Personal Loan
- Yes Bank Flexi Loan
- ICICI Personal Loan of 8 Lakh
- HDFC Personal Loan of 25000
- Indian Bank Personal Loan of 5 lakh
- Federal Bank Personal Loan for Doctors
- IDBI Bank Government Employees Personal loan
- Canara Bank Flexi Loan
- 10 Lakh Home Loan EMI
- Indian Bank Personal Loan of 2 lakh
- 40 Lakh Home Loan EMI
- 2 crore Home Loan EMI
- ICICI Bank Short Term Loan
- SBI Short Term Loan
- Indian Bank overdraft loan
- IDFC First Bank Short Term Loan
- Axis Bank Short Term Loan
- Yes Bank Short Term Loan
- ICICI Personal Loan of 9 Lakh
- Kotak Bank Short Term Loan
- BOB Personal Loan for Lawyers
- SBI Small Personal Loan
- HDFC Bank Small Personal Loan
- Union Bank of India Personal Loan of 30000
- Federal Bank Personal Loan of 2 Lakh
- IDBI Bank Personal Loan of 2 Lakh
- Axis Bank Personal Loan of 50000
- Indusind Bank Self Employed Personal loan
- IDFC First Bank Small Personal Loan
- Indusind Bank Government Employees Personal loan
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- RBL Bank Flexi Loan
- Kotak Bank Small Personal Loan
- Bank of India Students Personal Loan
- RBL Bank Personal Loan of 30000
- IDFC Housewife Personal Loan
- IDFC Self Employed Personal Loan
- Bank of Maharashtra Government Employees Personal Loan
- IDFC Personal Loan for Doctors
- HSBC Bank Wedding Loan
- IDFC Personal Loan for Lawyers
- Bank of India Self Employed Personal Loan
- HSBC Bank Travel Loan
- Kotak Bank Salaried Employee Personal Loan
- PNB Bank Travel Loan
- BOB Bank Medical Loan
- BOB Bank Travel Loan
- Union Bank Travel Loan
- Kotak Mahindra Bank Personal Loan of 10 lakh
- PNB Personal Loan of 50000
- Home Loan for 20000 Salary
- ICICI Bnak Personal Loan for Lawyers
- SBI Bank Personal Loan Balance Transfer
- RBL Bank Personal Loan of 3 Lakh
- Indusind Bank Short Term Personal Loan
- PNB Students Personal Loan
- IDBI Bank Personal Loan for Lawyers
- Bank Of Baroda Overdraft Loan
- Yes Bank Small Personal Loan
- RBL Bank Wedding Loan
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- Bank of India Personal Loan for Doctors
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- BOB Personal Loan of 6 Lakh
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- IDFC First Bank Personal Loan of 3 Lakh
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- Kotak Mahindra Bank Personal Loan of 10000
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- Home Loan for 30000 Salary
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- Home Loan for 50000 Salary
- Home Loan for 60000 Salary
- Yes Bank Small Personal Loan
- Kotak Mahindra Bank Personal Loan of 1 lakh
- Canara Bank Personal Loan of 5000
- Canara Bank Personal Loan of 10000
- PNB Personal Loan of 30000
- Indusind Bank Personal Loan Transfer
- Canara Bank Personal Loan of 15,000
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- Canara Bank Personal Loan of 25000
- HSBC Bank Short Term Personal Loan
- Canara Bank Personal Loan of 30000
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- PNB Salaried Employee Personal loan
- Indusind Bank Small Loans
- Axis Bnak Personal Loan for Lawyers
- Federal Bank Short Term Personal Loan
- Punjab & Sind Bank Travel Loan
- Indusind Bank Flexi Loan
- Yes Bank Personal Loan of 40000
- Bank Of India short term personal loan
- Indian Bank Personal Loan for Lawyers
- Canara Bank Personal Loan of 50000
- Canara Bank Personal Loan of 1 Lakh
- Union Bank Short Term Personal Loan
- Union Bank overdraft loan
- Canara Bank Personal Loan of 2 Lakh
- Karur Vysya Bank small loans
- Canara Bank Personal Loan of 3 Lakh
- Indian Bank Personal Loan of 4 lakh
- RBL Bank Medical Loan
- Canara Bank Personal Loan of 4 Lakh
- HDFC Personal Loan of 30000
- Canara Bank Personal Loan of 5 Lakh
- IDBI Bank Wedding Loan
- Federal Bank Salaried Employee Personal Loan
- Axis Personal Loan for Wedding
- HDFC Personal Loan for Wedding
- SBI Personal Loan for Medical
- IDBI Bank Travel Loan
- Yes Bank Personal Loan of 3 Lakh
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- SBI Personal Loan for Wedding
- HDFC Personal Loan of 5000
- DBI Bank Medical loan
- Karur Vysya Bank Travel Loan
- RBL Bank Students Personal loan
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- IDBI Bank Self Employed Personal loan
- RBL Bank Overdraft Loan
- 45 Lakh Home Loan EMI
- Canara Bank Personal Loan of 8 Lakh
- RBL Bank Personal Loan of 4 Lakh
- Axis Bank Asha Home Loan Scheme
- Yes Bank Personal Loan of 9 Lakh
- Union Bank of India Personal Loan of 10 lakh
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- Axis Bank Personal Loan of 20000
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- IDBI Bank Personal Loan of 4 Lakh
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- HDFC Personal Loan for Medical
- 85 Lakh Home Loan EMI
- Indian Bank Personal Loan of 3 lakh
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- Kotak Bank Government Employees Personal Loan
- Axis Bank Personal Loan of 10 lakh
- Bank of India Salaried Employee Personal Loan
- PNB Personal Loan of 40000
- IDFC First Medical Loan
- ICICI Medical Loan
- Axis Bank Personal Loan For Medical
- Yes Bank Personal Loan for Wedding
- IDFC First Personal Loan for Wedding
- Kotak Medical Loan
- Yes Bank Medical Loan
- Indusind Bank Personal Loan of 3 Lakh
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- Personal Loan
- Loan Against Property
- Business Loan
- Federal Bank Personal Loan for Lawyers
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Credit Score Guide
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Credit Counseling and Financial Education in India
Understanding Credit Counseling Credit counselling is valuable for individuals seeking to manage and pay down debt. It’s a structured process facilitated by certified credit counselling agencies like Urban Money. These a
CIBIL Scores for Business Credit Cards
A CIBIL score is a three-digit number that gauges your financial creditworthiness. It typically ranges from 300 to 900 and is calculated based on your credit history. The higher the score, the better the creditworthiness
PNB CIBIL Score: Checking Process, Importance and Loan Approval Criteria
How to Check Your PNB CIBIL Score? Checking your PNB CIBIL score is a straightforward process that ensures you stay informed about your credit health. Here are the steps to check your PNB CIBIL score: Visit the PNB Housi
List of Banks Giving Home Loan With Low Cibil Score
Top 10 Banks For Low CIBIL Score Home Loan If you are looking for a home loan without CIBIL, here are the top 10 banks and NBFCs in India that might consider your home loan application: Bank/NBFC Requirements Interest
Dealing with Debt Collectors & Credit Protection
Debt Collection Practices Debt collection practices in India involve specific legal guidelines and ethical considerations that debt collectors must follow. Here’s an overview focusing on these aspects: What Can a Debt Co
How to Get Home Loans with a Low CIBIL Score
Understanding CIBIL Scores Your CIBIL score (300 to 900) reflects your credit history. Factors like loan repayments and credit card bills greatly affect this score. Generally, scores above 750 are favourable for obtainin
CIBIL Score Range: Chart, Maximum Score, and Good Credit Score Tips
All CIBIL Score Range Table Your CIBIL score ranges from 300 to 900. The table below shows how scores are typically categorised: Score Range Category 300 – 549 Poor 550 – 649 Fair 650 – 749 Good 750 – 849 Very
Credit Scores in India: Types, Features, and Financial Impact
Types of Credit Scores There are four major types of credit scores in India you should be aware of. These are – 1. CIBIL Score The CIBIL score, issued by TransUnion CIBIL, is India’s most widely used credit score. A cred