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How can I improve my Credit Worthiness?

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"It is essential to have a good Credit Score in order to qualify for a loan or a credit card. To enhance your credit rating, you need to:

1) Pay your bills on time and pay off any prior dues that you have. 2) Ensure that there are no negative status reporting from old loans that you have, and that all previously closed loans are reported appropriately. 3) Ensure optimum credit utlization of your credit cards - do not over-spend or not use your credit cards at all. 4) Have good mix of both secured (home loan, vehicle loan, etc.) and unsecured (credit card, personal loan, etc.) credit exposure. 5) If you have an excess of cards and you need to close some, close the newer cards as compared to the old ones. Keeping older credit cards signifies that you have managed credit for a longer period of time and tends to have a more positive influence on your credit worthiness. 6) Try not to change your employer or place of residence often.".

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CreditMantri was created to help you take charge of your credit health and help you make better borrowing decisions. We support customers with every kind of credit profile - those who are new to credit and have a minimal or nonexistent record; those who have a problematic history; and those who already enjoy a healthy profile. If you are looking for credit, we will make sure you find it, and ensure that it is the best possible match for you. How do we help you? We enable you to obtain your credit score instantly, online, real time. We get your Credit Score online and provide a free Credit Health Analysis of your CIBIL or Equifax report. Based on the analysis, we help you discover loans and credit cards best suited for your credit profile. We help you understand your Credit Profile, Credit Information Report (CIR) and know where you stand. We are a one-stop shop for all your credit needs. We make it easy for you to browse through and compare the various financial products on offer on the market; access our free and user-friendly online tools; and finally, enjoy a stress-free application process with quick approvals. We ensure that you have a better shot at getting an approval for a loan or credit card you apply since we match the lender’s criteria to your credit profile. We help you avoid loan rejection by carefully determining your eligibility and matching you with the right lender/product. We achieve this with a cutting edge combination of data science and technology that ensures that both lenders and borrowers have a transparent common platform to make their decisions. We treat your data with the utmost confidentiality and will never share or sell it to anyone. That is our CreditMantri guarantee. Our dedicated and best-in-class customer service will go the extra mile (or two) to support you on every step of your credit journey. Our 1 Million happy customers are our best testimonial.

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