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Is your Credit Score >750?
Get answers to commonly asked questions related to credit bureaus
Your CIBIL™ score can have a significant impact on your ability to access loans and credit cards and it is advisable to ensure that you have a good credit score at all times. Remaining updated on your credit health is possible by obtaining your score online. Once you log on to the website, you will need to provide a few personal details for authentication including your PAN card number, and will receive your credit score on payment of a fee.
Can I access my CIBIL™ score with just PAN card details?
You will need to input further details (in addition to your PAN card details) in order to be authenticated. You will need to enter a few personal details like your date of birth, contact details, ID proof and possibly answer a few questions based on your credit history. Once your authentication is successful and you make the requisite payment, you will receive your CIBIL™ score shortly thereafter.
You can opt for one of 3 updates on your CIBIL™ score You can get a quarterly update (4 times a year), biannual (twice a year) or buy a one-time subscription to learn your score.
Why do I need to know my CIBIL™ score? Which other institutions offer valid credit scores?
Your credit score potential lenders a quick and accurate idea of your credit history. There are 3 well established credit bureaus in India that issue credit reports. They are:
The credit scores and credit reports issued by all three bureaus are equally valid, though perhaps CIBIL™ is the most well-known currently. You can get your Equifax credit score for free by registering with CreditMantri.
When you approach a bank or other financial institution for a loan or credit card, the primary eligibility criteria is your credit score. It is advisable to have a credit score of 750 or above in order to qualify for a loan or card. Once you pass this first stage, lenders access your credit report to get a more detailed picture of your repayment behaviour. Some lenders might even make a lending decision primarily on the basis of your credit score.
If you are planning to apply for a loan or credit card it is a good idea to check your credit score well in advance. You then have enough time to improve your score and rebuild your credit profile before you apply for the loan and avoid the risk of loan-rejection.
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 CIBIL™ Score is an indicator of an individual’s credit worthiness. It impacts the individual’s ability to borrow
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,
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