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CreditMantri is India's premier and only comprehensive Credit Score Analysis and Credit Improvement Program
A CIBIL Score is an indicator of an individual’s credit worthiness. It impacts the individual’s ability to borrow and take fresh credit from lenders. Read More
A credit report is a history of your credit behaviour and contains detailed information on all your loan and credit related transactions with banks, credit card companies and other lenders. Read More
A credit rating - also known as a credit score - is a 3 digit number between 300-900 that gives potential lenders a snapshot of the customer's credit health. Read More
Credit repair involves rebuilding your credit health to a level where you become eligible for loans. Read More
A bad credit score is generally one that is less than 650. A credit score is a three digit number in the range of 300-900 that is issued by a credit rating agency. Read More
There is really no number that can be established as the average credit score in India. Many people see regular changes to their score based on their changing credit behaviour. Read More
When you have a high score of 750 or above, banks are reassured that you have a good repayment history and are a low-risk customer. Read More
A more relevant question is, “Is it advisable to get a loan with bad credit?” There is a chance you can get a loan if your credit record is not good, but it is not advisable. Read More
It is possible to improve your credit rating or credit rating within a few months, depending on the state of your credit health. Even if you have a poor credit score. Read More
To check your credit history, you should obtain a copy of your Credit Report. For this, you need apply to one of the three rating agencies in India. Read More
It is important to remember that there is no instant quick-fix for increasing your credit score overnight or in a couple of weeks. Read More
If you choose outside help, the cost is usually a few thousand rupees depending on the seriousness of the issues involved. When choosing someone to help repair credit in India. Read More
A credit score forms part of your larger credit report. Your credit score is a three digit number between 300-900 that is a snapshot of your credit-worthiness. Read More
Your first step should be to study your credit report and identify the reasons for your low score. This could include administrative errors, late or missed payments or a high credit utilisation rate. Read More
Lenders will see your low score as a reflection of faulty credit behaviour and might be unwilling to offer you a high credit limit. Read More
It is ideal to have a score of 750 or above to qualify for loans or credit cards. If your score is less than 750, it is advisable to increase your score before applying for a credit card/loan. Read More
Improving your score by just 50 points higher will make your loan/credit card application process much faster and easier. Read More
Anything above 750 makes you an attractive, low-risk customer and banks are eager to lend to people with such a good credit profile. Read More
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