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Is your Credit Score >750?
Get answers to commonly asked questions related to the credit score and credit reports
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Yes, errors in credit report can lead to a bad credit score. This is why you are advised to check your credit report every half yearly or quarterly to avoid confusion and to improve and maintain a good credit score.
An error is an information on your report which should not be there. This could happen because the information is not yours or incorrectly reported in your report. A few errors can be:
If your credit report has missing information, that doesn’t necessarily mean there is an error because all your information doesn’t necessarily have to be listed in your credit report.
Having errors could affect whether you will qualify for a loan product or not. But personal information errors don’t typically affect your credit score. But they could alert you a reporting issue or even fraud.
You can either talk to your loan provider (Bank/NBFC) or take it up with the bureau. Alternatively, you can approach any credit management companies who will help resolve your issues by filling a dispute with the Credit Bureau. This will help speed up the process.
Once you have filled the dispute with the credit bureau and the banks, they need to follow up and investigate your dispute within 30-45 days on receiving the notification of the dispute. The credit bureaus have solved 70% of the disputes within 15-20 days.
Therefore it is important to dispute incorrect information on your credit report, because it will have a significant impact on your credit health and your financial future. In a few cases, this is one of the easiest way to make an impact on your credit score
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A CIBIL™ score is a three digit number between 300 and 900 that gives potential lenders a quick idea of your loan
Credit repair involves rebuilding your credit health to a level where you become eligible for loans.
A credit report is a history of your credit behaviour and contains detailed information on all your loan and credit
A credit rating - also known as a credit score - is a 3 digit number between 300-900 that gives potential lenders
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
Yes. In fact, a credit score of 850 is very good! Most lenders look for a minimum credit score of 750 to approve loans
There are several ways in which you can improve your credit score. Depending on how good or bad your score is,
Is 800 a good credit score? Yes. In fact, a credit score of 800 is very good! Only a small percentage of people reach,
Is it possible to obtain a free credit check or credit report? The answer is yes and no!
Your CIBIL™ Score plays an important role in getting loans and credit cards sanctioned, because it gives lenders
It is not possible for anyone, either lenders or borrowers, to get a CIBIL™ score or credit report for free.
It is important to know that there is no such thing as a CIBIL™ defaulter list. There used to be a defaulter list earlier,
There is really no number that can be established as the average credit score in India. Many people see regular
You can repair your credit absolutely free if you do it yourself! However, many people choose to get professional help
First, it is important to note that there is no ‘Defaulters List’ that is maintained or circulated by CIBIL™ or any of the other
Sourav and Ankit are watching the New York Marathon on TV and decide that they want to run a marathon.
In India, the best credit score to have is one that is 750 or above. The three credit rating agencies that operate in India
Is a credit score of 700 good? While it is not a very bad score, it is not good enough to automatically qualify
It is difficult to get a loan with a credit score of 650. Most banks look for a minimum score of 750 when deciding
It is not likely that you will get a loan with a credit score of 600. Most banks look for a minimum score of 750
It is difficult to get a loan with a credit score of 550. Most banks look for a minimum score of 750 when deciding
A poor CIBIL™ score can increase your financial problems and make it difficult to access credit, whether as a loan or credit.
One common worry that runs through your mind after you have made a credit card settlement is,
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.