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Why is my credit score going down when I pay on time?

A credit score is a three-digit number which summarizes the creditworthiness and repayment capacity of an individual. The credit score is a maximum of 900 and anything that is below 650 is called a bad credit score.

1 week agoRead More
Key factors that decide your credit score card

The key to getting quick approval for your credit card applications and loans is a good credit score. The credit score is the most prominent factor that leads the banks and financial companies to provide credit to any individual.

2 weeks agoRead More
5 ways to maintain an excellent CIBIL ™ score

A credit score is a three-digit number unique to every individual which signifies the creditworthiness and the repayment capacity of an individual. The credit score ranges from 300-to 900. A score that is closer to 900 is considered favorable and good by credit lending agencies.

2 weeks agoRead More
How To Improve Your CIBIL™ Score For Better Credit Deals?

CIBIL™Score is the international credit rating system for bank loans. It is a means of determining a person’s creditworthiness. The CIBIL™ score utilizes a matrix of 13 information categories and a number of factors to score each consumer.

2 months agoRead More
What Are The Potential Side-Effects Of A Bad Credit Score?

Your prospects of receiving a new credit line are reduced if you have a bad credit score. On loans and advances, lenders will almost for sure charge a higher rate of interest.

2 months agoRead More
Your Credit Score Been ‘Misused’? How To Fix This Key Metric?

There has been increased reporting of 'Credit Score Misuse' in recent times. Your credit score is a key metric in loan applications and credit processes. Someone misusing your credit score is a serious issue and can lead to a number of negative consequences. This article will review the key factors that can be used to identify and fix credit score misuse.

2 months agoRead More
How Making Minimum Payments Can Affect Credit Score?

Sometimes, you will not be able to pay your credit card bills completely. In that case, you will end up making minimum payments. But, does it affect your credit score? Let us read on to find out how making minimum payments can affect credit score?

3 months agoRead More
Here Are Some Handy Tips For Fixing Your Poor Credit Score

A credit score is a 3 digit score that banks and financial institutions use to determine an individual’s creditworthiness. Credit score is computed based on your credit history.

3 months agoRead More
Four Ways In Which A Credit Score Helps You Secure A Low-Interest Loan

Your credit score is an indicator of your creditworthiness. The 3 digit number or score that the 4 credit bureaus generate like the CIBIL™ score is one of the important factors based on which lenders assess whether you can repay your credit card bills or loans on time.

3 months agoRead More
What Is The Minimum Credit Score Needed For A Car Loan?

Most Indians apply for car loans as purchasing cars is a dream of every Indian. The Indian population is one of the most urban populations in the world. And most of the population lives in cities, so the demand for cars is much higher in them than other countries.

4 months agoRead More
Build Your Credit Score With A Personal Loan

A Personal Loan is a loan in which the borrower agrees to repay the loan, usually over a fixed term, such as 1 to 5 years. It offers flexible repayment terms, allowing you to repay the loan as you can, and to manage your finances more effectively.

4 months agoRead More
Does Taking Gold Loan Affect My Credit Score?

Gold loans are secured loans made against the gold jewellery you pledge. The loan amount is determined by the purity of the gold and its market price on that particular day. Gold loans are immediate; the banker examines your gold and deposits the funds into your account.

4 months agoRead More
How To Protect Yourself From Identity Theft: Loan Fraud and Credit Card Fraud

Taking a loan nowadays has become easy due to the increase in digitization. Applying for the loan, processing it, and disbursing it can be done completely online. While this is quick and easy, it has given rise to loan fraud.

4 months agoRead More
Why Your Credit Score Can Fall Despite Timely Payments!

It can be a surprise to see your credit score fall despite paying all your bills on time. Don’t worry, you are not alone in this category. Many borrowers panic at the first instance of seeing a low credit score while they have been diligently paying all the bills on time to ensure that their credit score stays at the top.

4 months agoRead More
How Does The Credit Utilization Percentage Impact My Credit Score?

The credit utilization percentage on your credit card, also called the credit utilization ratio, indicates the total amount of credit you have utilized out of your total available credit. This percentage is primarily calculated on credit card credit limit, but when seen from the context of your credit report, includes all types of credit limits available for you as an individual.

4 months agoRead More
10 Best Ways To Improve Your Credit Score For Quick Loan Approvals

Individuals are increasingly looking at ways to improve credit scores so that they can get quick loan approvals and other credit options. It is not only simple to achieve a great credit score, even ones with a bad credit score can make some amends and get a higher credit score.

4 months agoRead More
Who Can Access Your Credit Report Or Score?

When was the last time you accessed your Credit Report or Credit Score? What purpose did you check it for? How did you access your Credit Report and Credit Score?

6 months agoRead More
Credit Score vs Credit Report: What’s the Difference?

We often wonder what is the difference between Credit Report and Credit Score; while one is the detailed information of your loans and credits, the other is the 3-digit ranking given based on your credit report. Read on to learn in detail the differences between your Credit Score and Credit Report.

6 months agoRead More
7 Benefits of Having a Good Credit Score

How does a high credit score benefit you? What is the importance of credit scores? If you have been seeking the right answers to these questions, you have just arrived at the right place!

7 months agoRead More
Important Factors to Note While Reviewing Your Credit Report

Banks and financial institutions closely evaluate the creditworthiness of loan applicants based on the information detailed in their credit reports. Lenders also use the information in credit reports to set the interest rates on loans.

7 months agoRead More
Will My Credit Score Be Checked for a Cash Advance?

When you’re facing a cash crunch, you may be tempted to withdraw cash using your credit card. Getting a cash advance on your card is easy. All you have to do is use your credit card at the nearest ATM and withdraw the required amount. It is super convenient, and you can get cash instantly.

8 months agoRead More
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