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Is your Credit Score >750?
What is a Soft Credit Check?
A soft credit check is done in two cases:
You can also do a soft credit check on your own credit report to just see where you stand with your credit score.
When a soft check is done by a third-party, it shows only the information they requested to see and not detailed info about your credit history. A company can see basic information like –
Will soft credit checks lower my credit score?
No, they don’t. Soft credit checks usually look only into some basic information on your credit. Also, they are not tied to any one loan application and hence do not have any effect on your credit score. A soft credit check does not have any in depth information on your payment history and other line items. So, it will not show any of your defaults or late payment records.
How can you get a soft credit check?
You can apply for a soft credit check with any one of the 4 credit bureaus in India. You are entitled to get one free credit check for free in a year. Better still, you can get your free credit health report from Creditmantri here.
Note: Soft credit checks help lenders to offer you pre-approved loans or credit cards. They are beneficial to get the best offers in the market. Since they don’t have a negative impact on your credit score, you can do a soft credit check on your credit report regularly to stay abreast with your credit health.
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,
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