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Is your Credit Score >750?
A credit score and credit report are different - but related - tools used by lenders to judge the probability of your fulfilling your debt obligations
A credit score is a three digit number between 300 and 900 that indicates your credit-worthiness. It gives potential lenders a quick idea of whether you are a responsible borrower. A credit score of 750 is seen as being a good score. Your credit score is contained in your credit report.
A credit report is a multi-page document that details all your credit-related activity with regard to loans and credit cards. It has details of all your current loans, payment history , all loan and credit card applications you have made, any settled or written off accounts, number of hard enquires, and other such credit-related information.
A credit score takes into account more recent activity, spanning your credit history of the past 24 months.
A credit report records your credit history over a time period of years. It can take a long time for a negative mark on your credit history to be erased.
Method of calculation
A your credit score is arrived on the basis of statistical algorithms. It is arrived at after applying a complex mathematical formula to your credit data.
Your credit report notes all your credit-related information and is a comprehensive report, not a number.
Time taken to improve score/report
A credit score can be improved in months by taking specific payment-related actions.
A credit report contains information spanning years, and it can take a long time to remove the negative marks in a credit report.
CIBIL™ is one of the four authorized credit bureaus in India which provide a credit score, the others being Equifax, Experian and CRIF High Mark.
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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