Interested in financial products
CreditMantri
Processing
Low CIBIL™ Score? Here’s How You Can Still Borrow Smartly!

Having a low CIBIL™ Score is not the end of the world. There are umpteen ways to improve your credit score, only if you are willing to put in the effort. Fixing your credit score may take some time, but it’s worth the effort.

3 weeks agoRead More
What Is A “Pay Later” Service & Can A Pay Later Purchase Impact My Credit Score?

Pay later services are just like your credit card; they offer interest-free credit for a specific number of days, but the repayment is directly linked to your savings bank account for direct debit.

4 weeks agoRead More
Is The Pandemic Negatively Affecting Credit Scores?

Covid-19 has resulted in unprecedented economic hardships to millions of people around the world. Many of them have lost their jobs and are struggling to make their loan repayments or pay their credit card bills on time.

2 months agoRead More
Tips And Strategies To Build A Stellar Credit History

Whether you already have loans, or just a beginner looking for the best credit cards in the market, you are probably aware of the importance of your credit score by now.

2 months agoRead More
30 Things That Mess Up Your Credit Score

A credit score is an important parameter to get the best loans and credit cards. It is imperative that you take all necessary steps to maintain a healthy credit score

2 months agoRead More
How To Build Your Credit Score From Scratch?

If you want a credit card or loan, the lender wants your credit score; which is not possible to build if you don’t have credit. Then how does a starter build credit? How can he achieve the ideal score of 750 to get the best loans in the market?

3 months agoRead More
Is Credit Score The Only Determinant Of Creditworthiness?

Creditworthiness is how “worthy” one is of using credit. If a lender believes that the borrower will respect all debt obligations promptly, the borrower is considered being creditworthy. For a borrower to evaluate his/her creditworthiness, it could be challenging and may result in a conflict of interest with the lender.

3 months agoRead More
Does A Balance Transfer Affect My Credit Score?

A credit card/loan balance transfer can be either positive or negative, depending on how you utilize it. While it can improve your credit score through debt consolidation and better credit utilization, it can lower your credit score due to shorter credit history and adding a hard inquiry to your credit report. However, it helps you to pay off your debts quicker at lower interest rates.

4 months agoRead More
What is a Credit Freeze? Should I Freeze My Credit?

In today’s internet age, data breaches have become more prevalent. Whether it is Facebook or Target, many giant organisations have fallen victim to periodic hacking that has resulted in data leaks, especially the private information of individuals.

4 months agoRead More
Most Common Things That Improve or Lower Your Credit Score

A credit score is a numbered rating that credit rating agencies offer you, based on the knowledge they hold on your credit report. Knowing the way to build your credit score is vital if you would like to enhance your possibilities of getting approved for credit.

4 months agoRead More
Best Secured Credit Cards in India for 2021:  Rebuild Your Credit Easily

A secured credit card is secured by collateral that the customer places with the bank against approval for the card. People who do not have a good credit score or those who have never applied for credit earlier can use a secured credit card.

4 months agoRead More
How does debt consolidation affect my credit score

Debt consolidation can help in lowering monthly payments and improve credit score. However, the key to successful debt consolidation is to stick to a plan while paying down your debt.

4 months agoRead More
How Do Credit Card Companies Determine Credit Limit?

Have you ever wondered about the science behind your credit card limit? Why do people of the same age and same income get different credit limits? Have you ever wondered why your friend was able to get a high credit limit while you were approved only for a smaller limit on the same card? In this article, we walk you through the basics of credit limits and shed light on how credit card companies determine the credit limit. Let’s get started.

4 months agoRead More
Reasons Why Your Business Loan was Rejected & Ways to Overcome It

Business loans are essential for any business operations especially if it is ready to expand or has many market opportunities available to explore. While availing a business loan may sometimes be tricky, especially if it’s a new business, there are many ways in which it can be easily sought.

5 months agoRead More
Credit Card Debt Negotiation: How to Negotiate Effectively

Remember the first time you got a credit card? It would possibly have been one of the most financially liberating experiences for sure! The small pleasure of purchasing things you always wanted or buying subscriptions which otherwise seemed overpriced.

6 months agoRead More
Find Out Why Your Credit Score Won’t Be Impacted if You Opt for Loan Restructuring

The Covid-19 pandemic saw various relief measures being approved by the RBI to ease the financial burdens of individual borrowers. These measures were then implemented by banks and other financial institutions to reach each and every eligible borrower.

6 months agoRead More
What To Do If You Have A Negative Balance on Your Credit Card Account?

Imagine logging into your credit card account portal and seeing a negative balance! It may alarm you and you may have questions such as how did this happen? Why do I have a negative balance in my credit card account?

6 months agoRead More
What is the meaning of ‘Closed’, ‘Settled’ and ‘Written Off’ in your credit report?

A healthy credit report and score increases your probabilities of securing a loan/credit card at the best possible interest rates. According to credit data analysis of top credit bureaus, 70% of loans and credit cards were approved for people who had a credit score of 750 and higher.

6 months agoRead More
Understanding The Impact of Loan Settlement On Your Credit Score & Profile

Loan settlement is often mistaken as loan closure. But they are not the same. Loan closure is when you pay off all your EMIs on time and complete repayments as scheduled. In this case, the lender closes your loan account on payment of the final EMI and issues a NOC (No Objection Certificate).

6 months agoRead More
How to Get a Collection Removed from Your Credit Reports?

Finding an account classified as collection on your credit report can feel intimidating. Having a collection account not only impacts your credit score but leaves behind a negative mark on your credit report

6 months agoRead More
How Long Does It Take for a Repossession to Come off Your Credit?

How Long Does It Take for a Repossession to Come off Your Credit?

7 months agoRead More
Apply for a Loan
Apply for a Loan

CreditMantri will never ask you to make a payment anywhere outside the secure CreditMantri website. DO NOT make payment to any other bank account or wallet or divulge your bank/card details to fraudsters and imposters claiming to be operating on our behalf.