cibil score

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Free credit report vs. free credit score: what is the difference?

Maintaining a good credit is a very important part of your financial health. When you apply for a loan, be it a home loan or loan for a car, the loan lenders look into your credit history. This gives them an idea of your financial health and your repaying capability. The credit history also gives .

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Secured Credit Cards – A Gateway to rebuild your CIBIL Score

Despite the marketing efforts of banks and financial institutions to sell their credit services, the credit card penetration still hasn’t reached its peak. Ironically, the number of credit card applicants are increasing exponentially, but due to a rigorous procedure and meticulous screening, they are unable to prove their creditworthiness. The most critical parameter is the .

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How Financial Institutions are Leveraging AI for determining Credit Worthiness

There are several macro and microeconomic elements that govern many financial institutions, while several are the factors, which are responsible for bringing these companies or institutions closer to risks. Lending of money is one of the crucial functions of banks and the other financial institutions, which generate ample amount of revenues for them; however, the .

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A High CIBIL Score Probably Won’t Fetch You A Loan Or A Credit Card

It happens that sometimes you think that you have scored enough marks to make your happy, but you still fall short of their expectations. It disappoints you and makes you feel like a loser because all you wanted was a smile on their face, but unfortunately, that couldn’t happen. It’s the same when it comes .

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CIBIL Score’s Role in Increasing Home Loan Eligibility

There are three requirements of every human being. Good food, good clothes and a good place to dwell in. Who doesn’t want to buy their favorite house to spend their best times with their near and dear ones? Buying a house is like acquiring an asset for yourself which will forever be with you across .

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Trouble Correcting Your CIBIL Report? Here’s How to Resolve it

Overview While checking the credit report if you feel that your credit score is extremely low, then this means you have defaulted your certain EMIs of your bank loan or have defaulted the payment for your credit card. Alternatively, this could have defaulted long back, and now you do not remember about it. However, if .

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Get Quick Business Loan Approvals with a High CIBIL Score

The lending industry has undergone a drastic change over the last half a decade. Loans are moving towards a digitalized platform which has led to a faster, more efficient processing system that benefits both lenders and borrowers. Especially when it comes to business loans, technology has aided banks and financial institutions in approving applications instantly. .

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Demystifying all the fears you have about CIBIL score

A CIBIL score is a 3-digit number one will have to consider before applying for any loan, be it a home loan or a personal loan. CIBIL stands for Credit Information Bureau India Limited, which signifies the creditworthiness of a person who is applying for the loan. CIBIL gathers and manages the credit information of .

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A Deep Dive into the Concept of a Personal Credit Line

A personal line of credit is a flexible monetary option that allows you to borrow the number of funds that you need, whenever you need it. It is a pool of money that is released at once but can be borrowed in parts based on requirement. A credit line addresses short-term needs and immediate liquidity .

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10 Reasons To Take A Personal Loan To Boost Your CIBIL Score

Your credit score or the CIBIL score plays a vital role in ensuring you can avail credit whenever the need arises. If you wish to improve your credit score, taking a  personal loan may be a good option. Before understanding the reasons for doing so, it is essential to understand how credit scores work. Your .

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