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Friday 18 August 2023

Today's Din Updated sep





Today's Din Updated sep 

CIBIL score, also known as Credit Information Bureau (India) Limited score, is a three-digit numerical summary of an individual's credit history. It is used by lenders, such as banks and financial institutions, to evaluate an individual's creditworthiness and determine their eligibility for loans or credit cards.

The CIBIL score ranges from 300 to 900, with a higher score indicating a better credit profile and a lower risk for lenders. Here's some key information about CIBIL score and how to check it:

Factors Affecting CIBIL Score: Several factors influence your CIBIL score, including your payment history, credit utilization, length of credit history, credit mix, and recent credit inquiries.

Importance of CIBIL Score: A good CIBIL score is crucial for obtaining loans or credit cards on favorable terms. Lenders use this score to assess your creditworthiness and make decisions regarding your credit applications.

Checking Your CIBIL Score: You can check your CIBIL score online through the official website of TransUnion CIBIL ( Follow these steps: a. Visit the CIBIL website and click on the "Get Your CIBIL Score" button. b. Fill in the required personal details such as name, date of birth, contact information, and identification documents. c. Provide your PAN (Permanent Account Number) card details. d. Answer a few questions related to your credit history and loans. e. Review the information provided and submit your request. f.

You may need to pay a nominal fee to access your CIBIL score and credit report.
CIBIL Score and Credit Report: When you check your CIBIL score, you will also receive a detailed credit report. The credit report includes information about your credit accounts, payment history, credit inquiries, and any outstanding debts. Reviewing your credit report can help you understand your financial standing and identify areas that need improvement.
Improving Your CIBIL Score: If your CIBIL score is low, there are steps you can take to improve it over time: a. Make timely payments for all your credit obligations. b. Keep your credit utilization ratio (the amount of credit used compared to the available credit) low. c. Maintain a healthy mix of credit, including both secured and unsecured loans. d. Avoid applying for multiple credit accounts simultaneously. e. Regularly review your credit report for errors or discrepancies and take steps to correct them.

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વધુ માહિતી જોવા અહીં ક્લિક કરો

Remember that different credit bureaus in India, such as Experian, Equifax, and CRIF High Mark, also provide credit scores. It's a good practice to periodically check your credit scores from these bureaus as well to have a comprehensive understanding of your creditworthiness..

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