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  • CIBIL Report

    CIBIL stands for Credit Information Bureau India Ltd. It is the highest agency in India providing credit reports and ratings to individuals and businesses. It is the only one of about 1000 companies in the world with an ISO 27001 rating, which is the highest security standard in the world.

    CIBIL releases credit reports called Credit Information Report (CIR) pertaining to individuals on the basis of their past credit history, which the agency receives from leading financial institutions in India. CRISIL is one of two credit rating agencies currently operational in India, the other being Experian Credit Information Company of India Pvt Ltd.

    What is a CIBIL Credit Report?

    The Credit Information Bureau (India) Limited (CIBIL) TransUnion Score is a three digit number that is a summary of the customer’s credit history. This score is generated based on the information provided in the customer’s CIR. This report contains information regarding the customer’s history of credit payment across various loans and also institutions over a period of time. However, this report will not contain information regarding the customer’s loans, fixed deposits or other investments.

    Components of a CIBIL Credit Report

    A CIR will have information in detail on the credit that customers have availed such as auto loan, home loan, credit card, overdraft facilities and personal loans. A CIBIL credit report will contain information regarding the customer’s CIBIL TransUnion score, their personal details, employment details, contact details and account information along with enquiry details. An in-depth analysis of the report is provided below.

    CIBIL Report
    • The first section provides an illustration of the CIBIL score. The score is between 300 to 900 and is generated based on the information provided in the enquiry and accounts section of the report. A visual representation of the score is provided wherein the closer to the green, better are the scores. CIBIL scores between 700 to 900 are seen to be favourable. If the score is closer to 900, this is an indication that the customer will have a higher chance of repaying the loan and hence will inspire more confidence in loan providers or credit card companies in the future. The score will be written in a blue bubble within the visual representation. Another piece of information provided is ‘figures’ which indicate the amount of customers in percentage who were given loans during the previous year and who fall in a particular section of scores at the time of their loan application.
    • Personal Information section contains information about the customer’s name, date of birth and sex as reported to the members of CIBIL. Other details that will be given are the customer’s PAN number, passport, voter ID and so on.
    • Under the personal information section, ‘(e)’ symbol next to a particular detail implies that the value was given by the lender when the customer had applied for a credit facility.
    • CIBIL Score Report
    • Contact Information contains details regarding the customer’s address, mobile numbers, telephone, and email address. This category also mentions whether the addresses were residential, permanent or official. Up to 4 email addresses and other addresses will be provided.
    • Employment Information comprises of information provided by a lender for a specific credit account regarding the customer’s income at time of opening the facility for credit and also their occupation.
    • Account Information is one of the most important sections of a CIBIL Credit report. This section provides information about the customer’s credit cards and loans including the name of their lenders, type of facilities that have been availed such as auto loan, home loan, credit card and so on.
    • This section may or may not contain a red band at the side. If it does, it indicates that the particular section is disputed and the band is usually removed once it has been settled.
    • Enquiry Information - Under this section customers can find out details regarding vendors who have enquired into their credit application. Details include the vendor’s name, type of loan, amount of loan, application date and so on.
    • The last section is Consumer Dispute Remarks which can be added by customers from a list that has already been defined. These remarks will be available on the report for a year and every time the report is accessed by any particular credit institution, this will be displayed.

    The above sections are generally the ones present in a CIBIL Credit report. Each component is important and explains the credit situation of the customer in simple terms.

    Importance of CIBIL Credit reports

    A CIBIL credit report is a highly valued credit report that helps banks and financial institutions analyse a person’s credit worthiness based on his/her repayment discipline and borrowing history. Major importance of CIBIL credit reports are:

    • A unified report with all your previous and current credit history.
    • CIBIL credit reports form the basis of releasing loans to a borrower.
    • Helps in staying clear of debt traps.
    • An exhaustive report to help you nurture better financial discipline.
    • Better score on the credit report provides leverage when negotiating interest rates. 

    Types of credit reports

    Credit Information Report (CIR) – This report is available for individuals and contains all their credit history, and a statistically derived figure called credit score. A CIR is a major document which any potential lending institution will look at before processing your loan or credit application.

    CIR consists of various sections detailing your credit history. Major attributes of a credit information report are outlined below.

    • Payment history

      This section shows your credit repayment history in the past 3 months including loans and credit card payments. DPD (Days Past Due) shows the number of days by which you delayed a payment.

    • Current outstanding balance

      This shows all your current credit due to be repaid. This helps in realizing where you stand in terms of EMI payments, and if you can avail more credit or not.

    • Enquiries

      This section lists all the enquiries made about your credit score in the recent past. A high number of enquiries is a red flag. Potential lenders may view it as desperation for credit, also possibly because you were not a suitable candidate and had to approach multiple lenders.

    • New credit facilities

      In this section, you can see recent credit sanctions in your name.

    Company Credit Report (CCR)

    A CCR is a report outlining a company’s credit history, consolidated from the data forwarded by various banks and financial institutions in India. While CCR doesn’t substitute credit ratings for businesses provided by an approved agency, it is still an essential component when loan applications are processed by an institution.

    The primary difference between a credit rating and a company credit report is that the latter is drawn up from data directly submitted by banks, while credit ratings are generally solicited by a ratee and consequently issued by a relevant credit agency after evaluating related documents and interviewing company’s management.

    CCRs are typically used by lenders to make quick, informed decisions on loan approvals. A good CCR can be used to get better terms on credits from business partners, being testament to a company’s strong financial standing.

    6 Simple Steps to Boost your Credit Score This Year

    Credit score is a three-digit statistical number that is vital when applying for a loan or credit card application. The credit score ranges from 300-850. It is always advisable to have credit score higher than 750 to have positive response on loan or credit card application.

    Lower credit score minimizes your chances of having approvals on credit score. Here are some of the factors to consider that will enhance your credit score and therefore make the application process smooth.

    • Monitoring your CIBIL Score: You should check your credit score at regular intervals. Visit the online websites of credit bureaus and check your free CIBIL score. Regular monitoring will help you to not repeat the mistakes that can bring down the statistical number. Moreover if you want a score report with detailed information, then apply for a subscription based credit score.
    • Bill Payments: Paying the bills is of foremost importance as it boosts your credit score dramatically. Always ensure to pay your credit card bills and home loan EMIs on time to keep your credit score on the higher side.
    • Use Multiple Card for Purchase: Try to use your every card as not using a card can also bring down the credit score. For different purposes prefer to use different cards and pay the bills on time for each. This shows you are disciplined in paying your bills.
    • Make Realistic Plans for Life: Always try to gauge your monthly salary and then plan your expenses accordingly. Unrealistic plans can put you in trouble and thereafter you may suffer the consequences of poor credit score.
    • Looking for a Better Job: If by chance you have applied for multiple loans and not able to pay back the outstanding bills on time, credit score may suffer. The only way to come out of this is to look for a job with good take home money. Then plan your expenses and then spend.
    • Lower Credit Utilization Ratio: Always try to maintain a low credit utilization ratio. Higher credit utilization ratio shows that you are overusing your money and will not be able to pay back the balanced amount. The utilization amount should be practically lower than the credit limit of a card.

    All these factors together helps you to enhance your credit score. Keeping a track off all these can help you to have positive nod on loan/ credit card application in lower interest rate, this year.

    Credit Score is one of the most misunderstood topics in the financial book.

    1. Credit Score ? Credit Report:
    2. Your Credit Score is calculated based on information present in your credit report. Your credit report presents details about your credit accounts, credit application and debt repayment, among others.

    3. Checking Your Score Will Not Hurt It:
    4. When you or a company enquires about your Credit Score, it’s called a soft enquiry and it does not hurt your credit score.

    5. Credit Score Math:
    6. There are five prime factors that go towards deciding your Credit Score. They are - debt repayment, credit utilisation ratio, average credit age, type of credit account (secured / unsecured) and Credit Score enquiries made.

    7. Keep An Eye On Fraud:
    8. You did nothing wrong and yet your Credit Score is low? Please go through your Credit Report thoroughly and immediately report any unauthorized activities to your bank to correct your score.

      It’s important that you check your Credit Score regularly. BankBazaar has partnered with Experian and we will fetch your Credit Score at no cost. It’s just a matter of a few minutes.

    How to get a CIBIL Credit report

    To get your CIBIL Credit Report, you will need to fill the ‘CIBIL online credit score request form’

    Step 1: you will need to select any of the following subscription plans:

    • Bi-Annual Subscription - 2 Score Reports (Rs.800)
    • Quarterly Subscription - 4 Score Reports (Rs.1200)

    Step 2: Enter your PAN, email address, date of birth and select your gender

    Step 3: Enter the displayed characters in the given box

    Step 4: Tick on the box before ‘I acknowledge and accept the Terms and Conditions applicable and available on the site.’

    Step 5: Click ‘Proceed to Payment

    On paying the amount, you will be redirected to an authentication page. Here, 5 questions pertaining to your credit history will have to be filled out. Answering at least 3 correctly will authenticate your identity. You will receive the credit report within 24 hours in your email address.

    If authentication fails, you can send a hard copy of the application duly filled out along with your address proof and the id generated by CIBIL. You will then receive the credit report by post at the address provided by you.

    Free credit report: Apart from annual subscriptions, you can also get your annual CIBIL Report and score for free. Here are the steps you need to follow you get your CIBIL score for free:

    Step 1: Visit https://www.cibil.com/freecreditscore/

    Step 2: Enter your email address, date of birth, gender and PAN

    Step 3: Enter the displayed characters in the given box

    Step 4: Tick on the box before ‘I acknowledge and accept the Terms and Conditions applicable and available on the site.’

    Step 5: Click ‘SUBMIT’

    After that you will need to login to the site with the password emailed to you. Once you login you can change your password, login again and view your CIBIL score. You can view your full report by clicking on ‘VIEW REPORT’ tab. To add consumer dispute remarks and to access your credit report summary and activity report, you will need to subscribe and opt for any of the three available plans:

    • Bi-Annual Subscription - 2 Score Reports (Rs.800)
    • Quarterly Subscription - 4 Score Reports (Rs.1200)

    Difference between CIBIL credit reports and CIBIL credit scores

    A CIBIL credit report is an exhaustive report detailing all your past credit transactions, both borrowing and repayments from/to banks and other financial institutions. A credit score, on the other hand, is generated on the basis of the credit report and is a statistical figure ranging from 300 to 900. It is derived through advanced statistical analysis of a credit report.

    Maintaining a high credit score is imperative to getting more credit in the future. As such, you should ensure that your credit report presents a positive outlook that translates to better scores. If your credit report is left wanting in a few segments, then you should proactively work toward making it better by repaying debt on time and maintaining a positive future outlook on it.

    FAQs on CIBIL/Credit Report

    Q. How do you correct errors in your CIBIL credit report?

    RBI has made it mandatory for banks to comply with an individual's desire to access his or her credit report. If a bank declines a credit card or loan application, you can ask for the control number of your CIBIL credit report. You can then contact CIBIL at info@cibil.com and communicate details of errors in the report.

    Q. Do I need a form to apply for a CIBIL credit report?

    Yes, you need to apply for credit reports using forms published by CIBIL. You can get these forms from their website.

    Q. I don’t want my CIBIL TransUnion Score, just the credit report. Is that possible?

    Yes, if you want just the credit report then you can apply for it without having to take the TransUnion score along with it.

    Q. How long does it take for the CIBIL credit report to reach?

    If you check your CIBIL score for free or purchase any of the subscriptions plan online, you can access your report instantly upon successful authentication. In case of unsuccessful authentication, you will need to upload your KYC documents for verification. Upon verification, your CIBIL credit report will sent to your registered mailing address in 7 business days via Courier/ Speed Post/ Express Delivery.

    Q. What are the documents required for the CIBIL credit report?

    Along with the application form, you will need to send an ID proof and an address proof. This applies even to companies, in whose case you will have to send the ID and address proof of the authorised signatory.

    Q. Is there any time stipulation on when the supporting documents should reach CIBIL?

    Yes. The supporting documents, ID and address proof should reach CIBIL within 7 days of your application for the generation of a credit report.

    Q. How will the report be sent to me?

    It will be sent within 7 business days via Courier/ Speed Post/ Express Delivery.

    Q. What happens if I am not there to receive the report?

    The delivery service will make only two attempts to deliver the report at your address. If you are not there to receive it a second time then it will be returned to CIBIL and you will have to apply for the report all over again.

    Q. What happens if I have made mistakes on the application form?

    CIBIL will tolerate up to 3 mistakes on the credit report. If you make more than 3 mistakes then your application will not be processed.

    Q. What if I send the wrong details by mistake?

    If your details are wrong but match another person then the report will be generated and sent to them at your cost.

    Q. What happens if the address in my CIBIL account and the address proof don’t match?

    If your address proof does not match the one that CIBIL has on record then your application will not be processed. You can update your address by sending KYC documents along with any other supporting documents needed.

    Q. How can I pay for the credit report?

    You can pay for the credit report using a demand draft, credit card, debit card or through net banking.

    News About CIBIL Report

    • Co-Branded Travel Credit Cards Help cut Costs Significantly, Says a Survey Report

      Travelling has become a fad for millions of millennials across the world and even more so in developing economies like India. Some people even take over 2 months out of their year and dedicate it to travelling around the world.

      In a benefit report aimed at these travellers, an agency has revealed that co-branded travel credit cards are a great way to save money for such people. Gaurav Chopra, Founder and CEO of IndiaLends, had come out in support of co-branded travel credit cards and has said that opting for air miles program in a credit card will give the cardholder the option to redeem them for tickets and on hotel bookings.

      He further said that such cards give complimentary access to airport lounges around the world and also offers and discounts at various restaurants. Continuing on the benefits, he talked about multiple cards and how they can help save money. While one can be used for travel tickets, another can be used for cashback or waivers on certain charges.

      Navin Chandani, Chief Business Development Officer, Bankbazaar, has said that it is imperative to understand the features and benefits of a credit card and also the fees and penalties involved with a card. This can help make better use of your cards when on a foreign trip , he said. Another said that, it is always good to be aware of the expiry date on the reward points and also to avoid cash withdrawals to keep cardholders from burdening themselves.

      15 October 2018

    • CASHe Offers Loans to Millennials with its Own SLQ Rating System

      Most of the banks and non-banking finance companies (NBFC) check your credit score before approving your loan or a credit card application. However, there are a large number of millennials who are not aware of their credit score. Mumbai-based fintech startup CASHe offers individuals loans based on its own proprietary credit system called SLQ (social loan quotient). The scoring system is entirely different from the current banking credit scoring system. Unlike the traditional credit bureaus, CASHe’s scoring system generates its own scores based on the customer’s social behaviour data. The system makes use of deep learning and artificial intelligence-based technologies to give insights about borrower’s credit behaviour. It measures individual’s willingness and ability to pay financial obligations. The platform takes into consideration other parameters like his/her mobile, social and media footprint, education, remuneration, career and financial history. All the aforementioned parameters will be considered to calculate the borrower’s creditworthiness and thereby the credit score. CASHe will not give individuals a loan if they don’t qualify in the SLQ rating. The platform will analyze unstructured data from social media profiles, mobile data, KYC documents to provide the users with a system that will continuously update a borrower’s credit worthiness. As the scores are calculated in real-time, the individuals will know instantly if they are qualified for a loan with CASHe. Launched in 2017, the CASHe platform has more than 2 million app downloads and over 1.5 lakh customer base. The company is aiming at achieving an overall loan disbursal. CASHe processes over 27,000 loan applications in a month and has achieved an overall loan disbursal Rs.400 crore. The company through its multiple loan options ranging from Rs 10,000 to 2 lakh payable over 15 to 180 days.

      4 September 2018

    • Not Checking your Credit Report Comes with Risks

      A credit report comprises your credit history. It has a summary of all your current as well as past credits, bill payments and borrowing history. Most people avoid checking their credit report thinking it will be low while others delay checking it unless they are planning to apply for a loan or a credit card. However, not checking your credit report for a long period of time can be risky.

      What is a credit report?

      A credit report contains details such as current balance, loan amount, history of payment, credit limit, account type, account status, and payment history. It has your credit score which a numerical representation of your creditworthiness. A credit report is prepared by credit bureaus in the country. At present, there are a total of four credit bureaus in India viz; TransUnion (CIBIL), Equifax, Experian Credit Information Company and High Mark Credit Information Services. All these credit bureaus are regulated by the Reserve Bank of India (RBI).

      What is a credit score?

      A credit score is a 3 digit number between 300-900 that offers summary of your credit report and measures credit risk based on the information given in the credit report. Generally, banks and non-banking finance companies (NBFC) consider a credit score of 750 and above as ideal.

      Reasons to check your credit report

        • Possible identity theft: One of the reasons for an unusually low credit score could be a possible identity theft. The sooner you are able to spot a case of an identity theft, the more likely you are to prevent an extensive damage to your credit score. When someone else banks on your credit report, it is a case of an identity theft. This essentially means that someone else will use your credit report to get a loan or a credit card and then misuse the credit. This will have a negative impact on your credit score.

        • Incorrect personal and account information: This is one of the most common error that can occur in your credit report. Sometimes, a credit bureau might enter wrong data in your credit report that could lead to a low credit score. For instance, you might have already cleared off a loan and made all the payments on time, but the credit report will show that the loan is still open.

        • Limit hard checks: Each time you apply for a loan or credit, you trigger an enquire from banks or NBFC to check your credit score. Such enquiries made by lenders are called as hard enquiries and they bring down your credit score.

        • Learn your credit status: Lastly, it is important to do a periodic check of your credit, as it gives you a fair idea of the current state of your financial health. Once you understand where you are going wrong with your spending and payment habits, you can take measures to work on them and work towards building a positive credit history.

      The RBI has made it mandatory for all the credit bureaus to offer one free credit report to individuals in a calendar year. You can also log on to various websites like BankBazaar.com and check your credit score for free.

      14 August 2018

    • Credit Score Check: Top 5 Benefits of Checking your Credit Report Regularly

      A credit score is a measure of your creditworthiness. It is a 3 digit number between 300-900 that offers summary of your credit report and measures credit risk based on your credit history and repayment behaviour. Your credit score is present in your credit report that contains all the information about your payments, dues, loans, etc. The data is collected from various authentic sources and the companies form a credit report based on the collected data. A credit report is prepared by credit bureaus in the country. At present, there are a total of four credit bureaus in India viz; TransUnion (CIBIL), Equifax, Experian Credit Information Company and High Mark Credit Information Services. All these credit bureaus are regulated by the Reserve Bank of India (RBI).

      It is important to check your credit report from time-to-time as it gives you an ideal about your financial health and credit status. Here are the top 5 benefits of checking your credit report regularly:

        • Know your status: Firstly, periodic checking of your should check your credit report is important as it gives you an ideal about where you stand in terms of credit score. Once you understand where you are going wrong with your spending and payment habits, you can take measures to rectify the errors. As per the mandate from the RBI, credit bureaus have to offer one free credit report to individuals in one calendar year. Moreover, you can check your credit score from several fintech companies free checking of credit report.

        • Rectify errors in your credit report: One of the reasons for a low credit score could be due to an error in your credit report. Sometimes, a credit bureau might enter incorrect data in your credit report thereby bringing your credit score down. For example, you had taken a loan a while back for which you have made all the repayments on time but the credit report is showing the loan as still open. Such errors have a negative impact on your credit score.

        • Don’t encourage hard credit enquiries: If you apply for a loan or credit, you trigger an enquire from banks or NBFC to check your credit score. Such enquiries made by lenders are called as hard enquiries and they bring down your credit score. Therefore, make sure to know your credit score before applying for a credit.

        • You can be a victim of identity theft: If you have not checked your credit report for a long time, you might not know that you have become a victim of an identity theft. The sooner you are able to spot a case of identity theft, the more likely you are to prevent extensive damage. An identity theft means that someone else is banking on your credit report. This means that someone else will use your credit report to get a loan or a credit card and then misuse the credit thereby taking a toll on your credit score.

      It is important to keep all the aforementioned points in mind and always check your credit score regularly.

      6 August 2018

    • Debt-to-Income Ratio as Imp as Credit Score

      Apart from credit score, one of the other factors that lenders tend to look at is the debt-to-income ratio of the prospective borrower. This ratio is computed by taking into account the total number of debts a person may have and the total net income earned in a month. For the purpose of calculation, the different types of debt that will be taken into account include credit card debt, other loans such as personal or student loans debts.

      To determine the debt-to-income ratio, the total debt in a month is divided by the total income earned in the month. This net income is considered is what the salaried individual takes home each month. The ideal ratio that banks may be looking for is around 40%.

      2 August 2018

    • Identity Theft Leaves Man with Bad Credit Score and Rs.6.5 lakh dues

      Yogesh Bhatia, a resident of Mulund, Mumbai has fallen prey to an identity theft which has left him with bad credit score. As a result of a low CIBIL score, Bhatia has been blacklisted from receiving loans after fraudsters used his details to get loans and shop. According to a report from the Mumbai Mirror, Bhatia’s identity was stolen in order to get a loan from several banks which eventually led to outstanding dues of Rs 6.5 lakh in his name. Due to non-payment of EMI, Bhatia’s CIBIL score had fell miserably. After conducting detailed check on the fraud, Bhatia learnt that someone had submitted a forged copy of his PAN card to get several loans sanctioned in his name.

      In order to know about a fraud at an earlier stage, an individual should check their CIBIL score regularly. The Reserve Bank of India (RBI) has made it mandatory for all credit bureaus in the country to offer one free credit score to an individual in a calendar year. You can also subscribe to credit reports and pay a fee for the same.

      27 July 2018

    • Credit Score – Pathway for Easy Home Loans

      One of the most common dream an individual has is to own a house. However, buying a house is a long process as it requires a lot of research about the builder, property, location of the property and so on. You also have to take care of paperwork at the time of buying the property as it involves investment. In order to buy a house, you have to apply for a loan and for that you need to have a healthy credit score.

      A credit score represents an individual's creditworthiness. It helps banks and non-banking finance companies (NBFC) to determine whether you are capable of paying the loan on time or not.

      What is a credit score?

      A credit score is a 3 digit number between 300-900, 900 being the highest. It is calculated based on your credit history and repayment behaviour. Banks and NBFC check your credit score when you apply for a loan or a credit card application. Higher the CIBIL score better the chances are for you to get low interest rate credit cards, approval for higher credit limits, quick loan approvals, home loans and car loans. Hence, maintaining a healthy credit score is of utmost importance. A CIBIL score is calculated on the basis of your credit history, credit type and credit exposure. The Reserve Bank of India (RBI) has made it mandatory for all the credit bureaus in India to offer one free credit score to its consumers in a calendar year. You can also pay and get your credit report from the credit bureaus.

      Check your credit score

      You should check your credit score periodically as it gives you an idea of your financial health. It is also important to check if there are any errors in your credit report as that can bring your credit score down. You can raise a dispute with the credit bureaus and get the error resolved.

      Improve your credit score

      If you have a credit score below 750, you should take efforts to improve your credit score. Some of the simple steps to improve your credit score are:

        • Making timely bill payments

        • Paying off debt

        • Limit credit utilisation ratio

        • Checking credit report

        • Avoiding hard credit checks

        • Increasing credit limit

        • Closing old accounts with good credit history

      A good credit history and a healthy credit score make you an eligible candidate to receive a home loan.

      10 July 2018

    • What is credibility?

      A CIBIL score of an individual is extremely important in today’s banking and financial sectors. It assesses the creditworthiness of an individual someone like you. You should have a good CIBIL score to be eligible for obtaining personal financial products and services. A person’s CIBIL score is generated by TransUnion CIBIL Limited, which is the first credit rating institution in India. Each financial institution submits credit reports to this well-established rating agency periodically. Credit reports will contain financial information such as previous bank history, credit card history, personal details, default payments, etc.

      The credit rating agency will generate a credit score based on the reports sent by banking companies. Financial services and institutions will use this credit score to decide whether or not to provide a financial service. A CIBIL score is a three-digit number, which is offered between 300 and 900. A person with a credit score of 750 and above has a better chance for applying financial services such as personal loans, housing loans, mortgage loans, vehicle loans, property loans, etc. Make sure you are well-rated always. The following are a few tips for you to follow:

        • Make sure you pay your credit card bills in time

        • Keep a track of your CIBIL score

        • Make investment decisions wisely

      6 June 2018

    • A good Credit Rating gives you a good life

      What do you think is most important to influence a date? Is it a sports car or a stunning personality? It is not that! A good credit score gives you everything you wanted. A well-rated individual may also be able to scout a better match, according to domestic study conducted by Match Media Group of 2000 Americans and Discover. Match is a renowned business entity, which retain the possession of the websites for dating and the applications for dating, including Match.com, Tinder and OkCupid. The entity serves in excess of 63 plus million overseas customers.

      Holding a good credit score is much important than holding a beautiful car for more than 58% of the people who date online. 50% of the people who have been surveyed said that a partner with a better credit report and a credit score is preferred over his/her job designations. These statistics depict the significance of a good credit rating. Furthermore, 69% of the respondents have said that the financial stability and status is very crucial while choosing an individual for dating. The financial status and stability is the most important factor for the women who are in search of a partner.

      Is it not an interesting fact? Yes, it is! Be well-rated by credit rating agencies that will offer you the facility of free credit reports. A credit report contains your personal and financial information, including your credibility. Be advised to get these reports periodically to make sure the financial and personal details are correct and valid. The most important aspect you should look at your credit reports is your credit score. If you are underrated, you can improve it. Check your credit scores for free today!

      13 February 2018

    • How to Interpret your Credit Reports

      A credit score plays a major role. It affects anything you do – obtaining a vehicle loan, a housing loan, a property loan, etc. It has been so entwined in your regular life that you may not apprehend it. India has four credit rating agencies. A free credit report can be obtained from each of these bureaus for free once in a year. It means a credit score can be checked for free.

      The best thing you could do is to ensure the personal and financial information contained in your credit score is valid and correct. If you think your credit report contain wrong details, you could raise a ticket to correct it. And, you are expected to do so. A wrongly published credit report will not give you the most appropriate credit score for you. It is commonly observe that most people do not check their credit reports regularly and finally end up with poor credit score.

      2 February 2018

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