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Things you should know about CIBIL score

March 28, 2022
cibil score

Credit information providers such as CIBIL, Equifax, and HighMark award you a credit score. Your prospective lenders will use this credit score to assess your creditworthiness. Bankers and lenders consider it to be one of the most crucial decision elements.

This is because your credit score will tell you and your lender whether you have been a good or bad borrower.

The higher your credit score, the more creditworthy you are as a borrower. This indicates that you are likely to pay your bills on time. As a result, lenders that lend to you stand a lesser risk of default. In the opposite direction, the lower your credit score, the more likely you are to default.

The CIBIL score is crucial.

For every borrower, the CIBIL, or credit score, is critical. If you need a loan, lenders will only approve your application if your credit score is excellent. You can negotiate a cheaper loan if you have an excellent credit score. If your credit score is low, though, you can take actions to raise it before applying for a loan.

When you apply for a loan, you are borrowing money from a lender or a bank with the promise of repaying it within a certain time period. Now is the time to consider your credit score. It’s a statistical method for calculating your chances of repaying the bank for the money you borrowed. The credit score, which highlights your past credit history, will influence whether or not you will be approved for the loan.

What are the most important aspects of your credit report to consider when applying for a loan?

History of Payment: 

It appears in the Account section and is divided into two sections: DPD (Due Days Past) and payment month and year. DPD stands for the number of days you have been late with your payments. If your DPD for the last three years is ‘000,’ it suggests you have a good chance of getting a loan from the lender.

Current Accounts: 

Current balances are also displayed in the “Account” column, and they reflect the magnitude of your debt. A loan provider analyses whether or not you would be able to bear the load of additional EMIs based on the total current balances on multiple loan accounts.

Credit mix and length

This accounts for 25% of your credit score. There are two sorts of loans on your credit history: secured and unsecured. A secured loan is a home loan, while an unsecured loan is a credit card or personal loan. Lenders favor only those borrowers who have a mix of both types of loans. It improves your track record if you have used any of them for a long time and have paid the dues on time.

Unspecified

Multiple criteria, such as hard inquiry, are included. Lenders will check your credit score frequently if you apply for too many loans.

Recent New Accounts: An spike in the proportion of loans and credit cards you’ve been approved for suggests you’ve taken on more debt. If you are approved for a large number of loans and credit cards in a short period of time, your credit score will suffer.

The Bottom Line

Make a habit of checking your CIBIL report on a regular basis by going to their official website. Once a year, you can get the report for free. The report includes precise details about your credit score, as well as whether or not you have defaulted on any loans or best credit cards in India obligations. You can figure out why your CIBIL score is poor by thoroughly checking the facts.

Log on to the CIBIL website to find out your CIBIL score. This is a paid service with prices ranging from Rs.550 to Rs.1,200 depending on the membership plan. Another option is to use several third-party platforms to check your CIBIL score for free.

 

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AlexJames

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