Please wait while we set things up. This will take less than 60 seconds!
We are fetching your Credit Score
It'll take less than 60 seconds
A credit score is a measure of an individual’s ability to pay back the borrowed amount. It is the numerical representation of their creditworthiness. A credit score is a 3-digit number that falls in the range of 300-900, 900 being the highest.
Credit scores are calculated by the credit bureaus in the country after taking into consideration several factors like the length of your credit history, repayment records, credit inquiries, among others.
When you apply for a credit card or a loan from a bank of NBFCs, having a higher credit score may entitle you to receive further benefits such as a higher loan amount, lower interest rate and your choice of tenure to repay the loan.
A credit score ranges between 300-900. You should always take measure to bring your credit score closer to 900. A higher credit score increases your chances of getting a good deal on loans as well as credit cards. Let’s take a look at the different credit score range:
Your Credit Score is computed by Credit Information Companies. There are four companies in Indian which do the job– CIBIL TransUnion, Experian, Equifax and High Mark.Let’s unveil the mystery around how these companies compute your score.
When you make a transaction—the one that is relevant to determine your score—banks send details about it to all four credit bureaus. To send details to all credit agencies is a mandate by the RBI. Essentially, banks keep Credit Information Companies up-to-date about your monetary habits. If a bank needs to check your Credit Score, they can approach any one of the bureaus. It doesn’t matter which one because all will have the same score for you– all four are equally authoritative and on par with each other.
After receiving information from the bank, credit bureaus get down to the task of collecting more information about your financial habits from other banks and financial institutions. The credit bureaus then processes this information to formulate what is called a Credit Report.
Now, what is a Credit Report? A Credit Report is your financial marks card. It contains your Credit Score. It’s wiser to check your score from time to time.
It is very important that you keep a close eye on your Credit Score. It is the best way to gauge your chances to get a line of credit. Another reason why you should track your score is to know if it dips, or if an error has been made by credit agencies while calculating your score. This will help you make timely amends.
BankBazaar feels that you should always be in complete command of your personal finances. In order to help you with this goal, we have made provisions for you to check your Credit Score for free. Knowing your Credit Score before applying for a loan can help greatly.
If you have a good score, you can be rest assured that your loan or Credit Card application will be processed without any hassle. You can even leverage a good score to ask your lender bank for better rates of interest and additional benefits. On the other hand, seeking credit with a poor score will further lower your score. Let’s not even imagine getting approval for a credit line. Hence, check your Credit Score before you apply for a financial product. Work up the score if it’s not in the acceptable range.
TIP: Credit agencies review and renew your score every few months. If you have a poor Credit Score, start managing your money wisely and pay your dues on time for a good few months. Credit agencies will reward you by boosting your score.
It depends on the kind of enquiry being made. There are two types of enquiries – hard and soft enquiry. Hard enquiries send your Credit Score down by a few points, while soft enquiries do not impact your Credit Score.
An enquiry made by an individual is called a soft enquiry. BankBazaar will make a soft enquiry on your behalf when getting your Credit Score from Experian. Hence, this will not impact your Credit Score in any manner. Moreover, checking your Credit Score on our website is free!
A hard enquiry is when a financial institution checks your Credit Score to take a decision on your credit application. Every time you apply for a loan or a Credit Card, the lending institution checks your score. Each time a bank checks your score, your score will dip by a few points.
TIP: If you are applying for a loan or a Credit Card, do not apply to many banks at the same time. Too many enquiries will hurt your Credit Score.
It is understood that having high balances on your credit cards can significantly reduce your credit score. Apart from that, there are several other factors that can hurt your credit score:
Credit bureaus in the country compute credit scores after taking into consideration several factors such as your credit history, repayment behaviour, and credit type, among others. There are four credit bureaus in the country - TransUnion CIBIL, Experian, Equifax, and CRIF High Mark. They are licensed by the Reserve Bank of India (RBI). The financial institutions in the country send your credit details on a monthly basis to these bureaus. Each credit bureau has its own algorithm and method of calculating scores.
Let’s take a look at the four main factors and their impact on your credit score:
|Payment History (High Impact)||If you are not able to pay credit card bills and EMIs on time, it will have the highest impact on your score.|
|Credit Exposure (High Impact)||It is advised to avoid delayed payments as well as missed payments, as they get reported and affect your score in a negative way.|
|Age of the Credit (Medium Impact)||A long credit history works well for your credit score as it gives the lender an insight of your repayment patterns over time.||Total Types of Account (Low Impact)||It is better to have a good balance of secured as well as unsecured loans in your credit history.|
If you have a good Credit Score, you can avail loans and Credit Cards faster and with ease. Check yours now!
Get The Best Credit Card - A good Credit Score may get you the best of Credit Cards. Get a feature-loaded card and reap the benefits.
Quick Loan Approval - A good Credit Score works like an expressway for your loan application. Banks may approve your application quickly and readily.
Better Interest Rate - With the backing of a good Credit Score, you can bargain for a lower rate of interest on loans and Credit Cards.
Loans Made More Affordable - Loans come saddled with processing fees and many other charges. You can bargain your way out of some of these charges with a good Credit Score.
Check your Credit Score right away and see if you are eligible for all these benefits. You can check your score on BankBazaar at zero cost.
Credit Score is one of the most misunderstood topics in the financial book. Here are four secrets to help you understand your Credit Score better.Credit Score ? Credit Report
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.Checking Your Score Will Not Hurt It
When you or a company enquires about your Credit Score, it’s called a soft enquiry and it does not hurt your credit score.Credit Score Math
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.Keep An Eye On Fraud
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.
Given the interest rates edging up this year, maintaining a healthy credit score is vital. Credit score directly influences whether you will be eligible for a loan and how much interest you will be paying back. Higher the credit score, lower is the interest rate and the vice versa. Any lender before approving a loan application or credit card application analyses multiple factors and one of the major aspects is checking the credit score that can drastically drop the chances of the loan getting rejected.
If the lender assumes you as risk borrower even though they will approve your application, but the chances are high that the interest rates will be tremendously high. So, before you plan to get an application approved keep a track of your credit score on regular basis either by taking free CIBIL score or subscription based CIBIL score. Scores normally range from 300-850. While above 750 is considered as a good credit score and can get your application approved in lower interest rate, scores below 750 shows your defaults that can increase your interest amount. If your score is below 550 chances are high that you loan application may get rejected. So, track your credit score for free from the various credit bureaus.
Most CICs offer credit reports through online and offline mediums. The individual will require producing of required details and make a payment to get his/her credit report.
The following documents and details are required for obtaining a credit report online:
The following documents and details are required for obtaining a credit report offline:
|Credit Report||Credit Score|
|Your credit report has information on the current and past credit agreements that you hold. These include mortgages, credit card accounts, student loans, and inquiries on your credit history.||A credit score is similar to a grade that is provided to your credit report. It is a 3-digit number that usually ranges from 300 to 900.|
|The credit report is a reflection of your credit management, and you have control over the listings there.||The credit reporting bureau assigns you the credit score based on your credit history.|
|The credit report gives an outline on how much you owe your creditors over an extended period of time, whether you have been making payments consistently, and for how long each account was open. The report also lists associated public records against you, such as court judgements, bankruptcy filings, etc.||A high credit score indicates that you are a low risk borrower, making you more likely to qualify for a loan.|
|In order to access your credit report, you can get in touch with credit reporting agencies or use a credit monitoring service that offers you this information.||Your credit score is a part of the exhaustive credit report that you receive from the credit bureau.|
Similar to individual credit reports, the CICs prepare credit reports and assign credit ratings to businesses and all other types of firms. The credit report for businesses is closely reviewed by suppliers and government agencies while providing utility and business contracts.
The credit reports for businesses provide information related to the establishment, owners/directors, employees, profit and loss, liability, assets, pending court cases (if any), and various other details. These type of credit reports can be expensive based on the amount and type of information it offers.
NA or NH: If you never owned a credit card or took a loan, there are chances that you will see an NA or NH on your credit score. NA or NH indicates that are there no, little, or insufficient credit activity to create a report or to generate a credit score.
STD: Applicable to an individual's credit report where the payments are made with the due dates.
SMA: Applicable on a credit report when the borrower has delayed the repayments.
DBT: This indicates a doubtful situation where the credit information has been inactive for over 12 months.
LSS: A credit report can be remarked as LSS if a lender reported the loan/credit card account as loss or if the account remains as a defaulter for a longer period of time.
DPD: Days past due (DPD) indicates the number of days that the account has not received a payment. Written Off/Settled Status: In a situation where the borrower could not make the repayment but came to an agreement with the lender for either a repayment plan or a settlement will indicate a written off or settle status.
A credit report is a detailed account of a person’s credit history. The credit report will include details of your credit accounts, like, credit cards, auto loans, home loans and any other form of credit availed from a registered lender. The credit report will also include details like payment history, credit limit and account balance, opening date of credit, status of loans (close or open, paid in full, not paid in full). The report will also include new credit inquiries, collection records and public records, for cases in which an individual has filed for bankruptcy or a tax lien. A credit report can seem like quite an intimidating document to read, but listed below is a section-wise breakdown of how a person should read his/her credit report:
Personal Information : This section of the credit report will contain information pertaining to the individual’s identity, such as, the person’s name, address, current and previous accounts, date of birth, etc. An individual should check the details provided under this section, if there is an incorrect address in the report or the person’s name has been misspelled, he/she should report this to the Credit Rating Agency (CRA) as this could be a sign of wrong data being reflected in the report or credit fraud.
Account Information: This section of the credit report will carry information pertaining to the person’s present and past credit account. The individual should check the details of this section carefully as this is quite a detailed section. The following details should be checked:
Public Records: This section of the Credit Report will list and bankruptcies filed by the individual, tax liens availed by the individual or collection accounts. The dates provided in this section should be checked as they will directly affect how long they will appear on an individual’s credit report and affect the person’s credit score.
Inquiries: This section carries data pertaining to any inquiries made by companies regarding an individual’s credit score. If an individual applies for multiple lines of credit, this could affect his/her score negatively. In most cases inquiries do not affect a person’s credit score, as they are soft inquiries by lenders for promotional purposes. A soft inquiry is generated when the request for the credit report is not related to the individual’s request for credit.
A great Credit Score is anything above 800. If a bad Credit Score is the bane of your life, you can use the following tips to send it soaring. Want to know your score?Be Frugal
Keep your credit utilisation ratio at 30% for a good Credit Score. If you are struggling to stay within this limit, then get a card with a higher top limit.Seek Variety
A combination of secured and unsecured debt will send your Credit Score upwards. A Credit Card is an unsecured debt whereas a Car Loan is a secured debt.Advantage of Old Credit Card Accounts
Think twice before you close an old Credit Card account as long running accounts add more value to your Credit Score. And if you are not using your card, keep it safe to prevent misuse or fraud.
When it comes to credit reports, scores, or any debt in general, traditional perception is often seasoned with myths and misinterpretations. So you should not let that information influence your financial conduct. You should understand that credit is a financial tool/facility like any other. Its neither good nor bad on its own. The way in which you use it is what gives it a good or a bad flavour.
Listed below are some of the most common myths about credit that you should know:
When you approach a lender for a loan, four elements of your credit report are analysed:
If there is no established credit history for you, you just have to get someone to co-sign or authorise your loan. In case you do not have someone who can co-sign for you, you can explore the option of getting a secured credit card. This type of card requires you to put up cash as collateral. Once you start using the credit card, you will be able to establish a credit history. It is important that you make payments on time and use credit conservatively. Be patient, as it will certainly take time to build a credit history. Once your credit history is periodically evaluated, if you have a good standing, your credit score will increase.
If an individual accesses his/her own credit report, it will not have a negative impact on the score. In fact, it is a healthy practice to check your credit report at least on an annual basis. Reviewing a report results in a “soft inquiry” that will only be reflected in a personal credit report. When a lender reviews the credit report, a “hard enquiry” will be added. These hard enquiries are shown to other lenders who review the report in the future, as these may represent new debts that are not yet visible on the credit report. Too many hard enquiries can have a negative effect on your credit score.
A bad credit report can be rebuilt over time. The report shows all credit issued under the consumer’s name. It also shows all items that are closed or inactive. If you have missed payments or have made late payments, it can remain on your credit report for up to 7 years. In this time, you can rebuild your credit report by paying your dues on time, looking for better credit choices, and being judicious while spending. You have to remember that an old negative information in the report is less important than a recent positive one.
Credit bureaus are not owned by the government. However, the government has laid down many laws on how these should operate.
Using cash for all payments is certainly not better than using credit responsibly. This is because a consumer has to develop a credit history (displaying responsible credit usage) in order to establish a good credit score. If a consumer does not hold various types of credit accounts, his/her credit score will not be as good as another individual with a history of responsible credit usage.
The PAN card is required for obtaining the individual’s score accurately. The credit score can also be obtained by using other valid Proof of Identity (PoI) instead of the PAN card. The PoI helps in identifying individuals in the database.
No, the inquiry will not affect your credit score. When you apply for a loan or a credit card, it can have a slight impact on your credit score but when you are checking your credit score it is not.
The phone number helps in identifying individuals accurately. Your credit report will already have your phone number, when you provide your phone number, it is verified against your records to ensure you are the right recipient for your credit score.
There are no limits to the inquiry of credit score. You can check for your credit score as many times as you need to. The inquiry for the credit score is considered as a soft check while only hard checks can impact your credit score.
The credit score depends on the credit report changes, as and when the changes are made to the credit report, the credit score would change depending on the positive or negative impacts. For example, when you are applying for a credit card or loan, making payments towards the credit, it will impact your credit report and the score.
The credit score range can vary depending on the assessor, however, the value will represent the same level of creditworthiness. The credit score summary will also indicate the health status, it will tell you if a particular score is excellent, good, average, or poor.
Credit score may vary based on the credit rating company. The credit report and score will provide you with an indication of whether you have a good or bad score. A good score with a particular assessor will more likely to have a good score with another assessor.
There are few factors that are considered while calculating an individual’s credit score. Primarily, the account information that includes information of credit cards and loans, the public records containing information pertaining to tax lien and bankruptcy, and the hard inquiries made by your lenders will be accountable for the calculation of credit score.
This will depend on your credit history. If you have multiple credit cards with a higher limit and you are under-utilizing or over-utilizing it, this can impact your credit score negatively.
The following information will be included in your credit card report:
A credit report won’t contain any information related to your checking or savings accounts. Also, the information pertaining to criminal records, medical history, lifestyle, and other details are not included in the credit report.
This will depend on various factors such as the inclusion of hard inquires, payment details, credit card, and loan applications. As soon any changes are detected, your credit report would change. The information is obtained on a monthly basis for the changes to be implemented. If you find any error on your credit report, you are recommended to get it corrected from the assessor.
Unless it is incorrect, no details can be deleted from your credit report. The credit report provides an insight of your credit history and lending worthiness. Most lenders vastly depend on the credit reports to assess the lending risks.
If you notice any error or wrong entries in your credit report, you can get in touch with the credit report provided to get it rectified. The process is simple, you can get in touch with your credit report provider through phone, email, and other mediums.
No, the Credit Information Report contains details of credit history and inquires, CIBIL, like various other credit rating companies have their own method of calculating the score based on the information on the credit report. The Credit Information Report has all the details of an individual’s credit date while the CIBIL score indicates the credit worthiness. The CIBIL score is derived from the information available in the Credit Information Report.
Your credit report can be accessed by you, lenders, and government recognized regulating bodies.
The lenders refer to the credit score to determine the credit worthiness of individuals. It helps the lenders or the banks to understand the risk factors involved in lending out money to an individual.
No, the CIC collects information from various financial institutions but doesn’t change any data. The CIC compiles information related to credit transactions and payment histories of an individual.
A score of 700 and upwards has a higher chance of approval for credit card application. The banks might hesitate to give you a credit card if the score falls under 700.
There are many ways by which you can improve your credit score. Some of these ways are maintaining payment of loan EMIs and credit card bills. Along with this, limited borrowing and maintaining a credit utilisation ratio of less than 30% can also help your score.
Experian’s credit score ranges from 300 – 900. 900 being the highest score.
Yes, credit reports contain your overall banking history and are used to assess your credibility, which is your credit score. A free copy of your credit report can be obtained once a year from each of the credit rating agencies that include CIBIL, Mark High, Experian, and Equifax. You can also request for obtaining all the credit reports at once.
A sound credit history is useful to apply for a loan. It shows how effectively you have managed to repay the earlier obligations. If you have never used a credit card or never borrowed a mortgage, your credit history stands nil. Lenders may not issue a credit card or prolong a loan. Consider the following ways to build credit with no credit:
Yes, you can. Over 8 million adults are affected by identity theft every year. Review your credit reports once a month. Be safeguarded by obtaining an updated credit report to review for any doubtful fresh accounts. Observe the below cited general identity theft signals on your reports.
The Common Service Centre (CSC) has partnered with TransUnion CIBIL Ltd. to provide the CIBIL score. The new partnership will provide access to individuals in rural areas, where over 2.5 lakh CSCs are present. CSCs allow individuals to avail bank loans quickly for their personal and entrepreneurial needs. Lenders access the CIBIL score to check the individual’s financial health and credit worthiness. Lenders use this data before loans are provided. Individuals will have to go through the authentication process in order to get the CIBIL score via CSCs. The report can also be downloaded. According to the Chief Executive Officer of the CSC, Dinesh Tyagi, individuals in rural areas lack awareness about the CIBIL score. Customers who have a good credit score can negotiate for better interest rates.
14 July 2020
India’s credit rating has moved one step closer to junk after Moody’s Investors Service had downgraded the country to a low investment grade level and had also surprised the economists.
Moody’s had reduced the long-term foreign-currency credit rating to Baa3 from Baa2, and this implies that it can get cut further. This action brings it in par with the BBB- assessment from Fitch Ratings Ltd and S&P Global Ratings. The economy is now facing a huge contraction in over four decades.
4 June 2020
The credit growth of all commercial banks had grown around 7% on 10 April to Rs.102.85 trillion. This was the data that had been gathered from the Reserve Bank of India (RBI). On 27 March, the RBI had reduced the repo rate by 75 bps for stimulating growth, after which the banks also lowered their deposit rates and lending rates.
This is an improvement from the 6% credit growth that had been seen in the previous fortnight ended 27 March. Credit growth has been reducing for the past few quarters and has been expected to reduce further because of the coronavirus that has disrupted all credit disbursals. The lenders from the public sector are now trying their best to push the covid-19 emergency credit lines to all their borrowers. It had been reported n 26 April that all branch-level officials in public sector banks are now having difficulty in managing the superiors’ expectations on higher credit growth. In a few cases, the branch officials have also learned that the demand for fresh credit has reduced drastically and this has brought almost all loan disbursals to a standstill.
Care Ratings had said that the credit growth in the banking sector has remained moderate since September 2019 after it had recorded a double-digit growth by the end of the quarter June 2018. The RBI data says that the bank deposits have increased during the 10 April fortnight, as compared to the 27 March fortnight. The deposits had grown at 9.45% y-o-y during the 10 April fortnight, and it had been growing at 7.93% during the previous fortnight.
28 April 2020
CRISIL has decided to put the rating of CRISIL AAA to the Non-Convertible Debentures of BASF India under rating watch with negative implications. The move to do so is been seen as an emerging situation which may affect the credit profile of BASF India. It must be noted here that the ratings on Fixed Deposits have been reaffirmed at ‘FAAA/Stable’ and that of Commercial paper at ‘CRISIL A1+’. CRISIL is a global analytical company providing ratings, research, and risk and policy advisory services.
9 April 2020
Staggering credit growth is a huge challenge that the banking industry is now facing in India. The Reserve Bank of India Governor Shaktikanta Das had said that it is crucial that banks focus on prudent lending. The credit growth in India has moderated to 7-7.5%.
He had added that the main challenge in India is a slow credit offtake and this, in turn, affects the profitability of all banks in the nation. In order to facilitate a faster flow of credit, the RBI has now taken a lot of steps. These include reduction in repo rate, provision of long-term repo operation and facilitation of bank refinance to NBFCs. These measures will help in boosting the operational efficiency of banks. The governor had said that the performance of a banking system lies on the strength of its corporate governance. He had added that the RBI can lay down a few rules and guidelines but eventually the responsibility lies on the banks.
The RBI will be issuing the draft guidelines on corporate governance in the private and public sector banks. The governor had also added that the RBI's aim is to improve the efficiency of its regulatory and supervisory functions. While talking about NBFCs, he had said that credit flow to all small NBFCs has been increasing over the past year. A lot of aspects of top 50 NBFCs like the asset-liability management (ALM) position are now being assessed and monitored. This includes all NBFCs that have assets above Rs.5,000 crores.
24 March 2020
Reports from credit bureau indicate that women are getting a lot more credit conscious as compared to men. Lenders now prefer to lend to women as there is a higher chance of them repaying loans.
Between the age group of 36 and 50, the number of women borrowers have boosted by 33% since December 2017. A study by credit bureau Crif Highmark has revealed that the number of women borrowers over the age of 50 has increased 41%. A study by credit bureau Transunion Cibil shows that the self-monitoring rate among women has increased by 62%. This means that more women are frequently assessing their credit score and becoming more credit conscious.
Around 56% of the self-monitoring women are from Tamil Nadu, Telengana, Karnataka, Delhi and Maharashtra. Sujata Ahlawat, VP and Head of Direct-to-Consumer Interactive, TransUnion Cibil had said that women have a better credit profile than male counterparts. This will, in turn, translate into wider access to credit and also faster and more efficient loan approvals
9 March 2020
According to Reserve Bank of India (RBI) data, bank credit growth slumped by 8.5% for the month of January from 13.5% a year ago due to sharp slowdown in loans to the retail service sector.
Growth in advances in the service sector fell from 23.9% to 8.9% in January 2020. However, personal loan segment during the month grew 16.9%, while credit to housing loan grew by 17.5% to 18.4%. Education loan during January declined by 3.1% in comparison to the negative decline of 2.3% in January 2019. Credit growth fell from 5.2% to 2.5%.
5 March 2020
Shaktikanta Das, the governor of the Reserve Bank of India, has encouraged banks in the public sector to enhance their credit growth. Reports suggest that the central bank had said that it was not satisfied with the muted credit growth in banks. According to the latest data released by the Reserve Bank of India, the credit growth fell by 8.5% in January, marking a stark decline from the 13.5% recorded in January last year. The Reserve Bank also encouraged banks to make the most of the long-term repo operations window in order to ensure that credit is pushed to certain sectors, and ensure that it is not used for treasury operations and the like. Many public banks are currently sitting on heavy liquidity and the LTRO window is not being used. The Reserve Bank of India, in its February policy, had made an announcement according to which a 1 lakh crore long-term repo auction would be available for lenders to borrow 1 and 3 year loans at repo rate. The central bank also asked for a report on the cases resolved under the June 7 circular that it had issued on stressed assets.
4 March 2020
Crisil has just announced that they expect bank credit growth to shoot up and rise 200-300 basis points by the time the next fiscal year. The share of retail loans in the bank credit will rise 400 basis points up till 28% till March 20201.
The credit rating agency also mentioned that the market would see corporate loans go through anemic growth during the current fiscal year. Economic activity in the market is slowly picking up pace. The overall demand for retail loans are also shooting up.
This trend promises a better credit growth for the next fiscal year. The rating agency had said that the slowdown in bank lending during this fiscal have bottomed out and the gross credit will boom to 8%-9% in 2021.
27 February 2020
The GDP forecast of India has been cut down to 5.4% for 2020 and 5.8% for 2021 according to Moody’s. The original GDP of the country for the current year and the next was 6.6% and 6.7% respectively. Moody’s has also revised the global GDP to be cut down due to the effect of the Coronavirus over the economy.
G-20 economies are expected to grow at 2.4% in 2020 which is a lower rate when compared to the previous year followed by 2.8% in 2021 according to a report by Moody’s. The growth predictions for China as well have been lowered to 5.2% in 2020 and expect to maintain the growth of 5.7% in 2021.
The growth projections of Mexico and South Africa is also said to be lowered like India due to the domestic issues the countries have been facing along with the constant external factors playing a direct role in the economic growth.
According to experts, the revival of domestic demand in rural and urban areas would be a key factor to strengthen the economic momentum of the country. Credit growth resumption, according to Moody is essential for the economy as well.
18 February 2020
Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.