अगर ठीक करेंगे अपना सिबिल स्कोर, तो लोन से जुड़ी समस्याओं का होगा हल Ahmedabad 9426497770 / 079-40099917

Loan, credit card rejected? low credit score call 079-40099917 VERITAS -Independent Financials Advisors, Ahmedababd INDIA www.veritastheteam.com

अगर ठीक करेंगे अपना सिबिल स्कोर, तो लोन से जुड़ी समस्याओं का होगा हल

हम हमेशा सुनते हैं कि क्रेडिट स्कोर खराब होने पर बैंक या फिर कोई भी वित्तीय कंपनी ऋण नहीं देती है। खराब क्रेडिट स्कोर के चलते क्रेडिट कार्ड भी नहीं बनता है। लोन किसी इंसान की क्रेडिट काबिलियत के आधार पर मिलता है। क्रेडिट इनफॉर्मेशन ब्यूरो इंडिया लिमिटेड (सिबिल) आपको 300 से 900 अंकों के बीच एक स्कोर प्रदान करता है। ये इस आधार पर तय होता है कि आपका पहले का क्रेडिट कार्ड उपयोग कितना है, आप अपना बैंक खाता कैसे रखते हैं, कोई चेक तो बाउंस नहीं हुआ है, मौजूदा लोन, बिना इंश्योरेंस के मौजूदा लोन, लोन के रीपेमेंट और आपने कितनी बार लोन या क्रेडिट कार्ड के लिए आवेदन दिया है। जिन लोगों को सिबिल स्कोर 700 से ज्यादा होता है उन्हें लोन आसानी से मिल जाता है। इसलिए जरूरी है कि आप अपना स्कोर सुधारा लें।

क्या होता है क्रेडिट स्कोर ?

क्रेडिट स्कोर को आम बोलचाल की भाषा में सिबिल स्कोर भी कहा जाता है। भारत में इसे क्रेडिट इंफोर्मेशन ब्यूरो ऑफ इंडिया (सिबिल) ने सबसे पहले इसे जारी करना शुरू किया था। शुरुआत में इसको लेने के लिए पैसे खर्च करने पड़ते थे। लेकिन यह अब आपको हर महीने फ्री मिलता है। अब देश में चार कंपनियां हैं जो कि क्रेडिट स्कोर मुहैया कराती है। ये कंपनियां हैं क्रिफ हाई मार्क क्रेडिट सर्विस, इक्वीफैक्स क्रेडिट सर्विस, एक्सपेरियन क्रेडिट सर्विस और ट्रांस यूनियन सिबिल लिमिटेड। आप इन चारों कंपनियों से हर महीने फ्री में प्राप्त कर सकते हैं।

ऐसे जान सकते हैं अपना क्रेडिट स्कोर

आप अपना क्रेडिट स्कोर आसानी से जान सकते हैं। सिबिल की वेबसाइट पर आप आसानी से क्रेडिट स्कोर पता कर सकते हैं। इसके लिए www.cibil.com पर जाना होगा और ऑनलाइन फॉर्म भरना होगा। साथ ही आपको 550 रुपये का भुगतान भी करना होगा। एक बार ऑथेंटिकेशन प्रोसेस होने के बाद आप सिबिल स्कोर और रिपोर्ट डाउनलोड कर सकते हैं। 

ऐसे तय होती है स्कोर के हिसाब से ब्याज दर

क्रेडिट इंफोर्मेशन ब्यूरो ऑफ इंडिया (सिबिल) द्वारा दिए गए स्कोर के हिसाब से लोन की ईएमआई तय होगी। मान लीजिए आपने किसी बैंक में होम लोन के लिए अप्लाई किया हुआ है और बैंक की ब्याज दर 8.35 फीसदी है तो अगर आपका स्कोर 760 प्वाइंट्स से ऊपर है तो 8.35 फीसदी की ब्याज दर पर आपको होम लोन मिलेगा। 

725 से 759 प्वाइंट्स होने पर 8.85 फीसदी और 724 से नीचे के प्वाइंट्स पर 9.35 फीसदी ब्याज दर के हिसाब से लोन देना होगा। अगर आप पहली बार लोन के लिए अप्लाई कर रहे हैं या किसी प्रकार का कोई क्रेडिट स्कोर नहीं है, तो बैंक आपसे 8.85 फीसदी की दर से ब्याज चार्ज करेगा।  

इन पर निर्भर करता है सिबिल स्कोर

• 30 फीसदी सिबिल स्कोर इस बात पर निर्भर करता है कि आप वक्त पर कर्ज चुका रहे हैं या नहीं।
• 25 फीसदी सिक्योर्ड या अनसिक्योर्ड लोन पर निर्भर करता है।
• 25 फीसदी क्रेडिट एक्सपोजर पर निर्भर करता है।
• 20 फीसदी कर्ज के इस्तेमाल पर निर्भर करता है।

તમને જો નીચે પ્રમાણે ની કોઈ સેવાઓની  જરૂરિયાત હોય, તો  મેહરબાની કરીને અમારો  સંપર્ક કરવા વિનંતી  ઘર બેઠા સર્વિસ આપવામાં આવશે

• Gumasta Dhara (દુકાનો અને મહેકમ) લાઈસન્સ & નવીકરણ
•  સોગંદનામું / Affidavit 
• જન્મ પ્રમાણપત્ર/ birth certificate
• લગ્નની નોંધણી / લગ્નનું પ્રમાણપત્ર/ marriage registration
• પાસપોર્ટ તાજા, નવીકરણ, મુખ્ય નાના passport new renewal correction fir 
• નામ ટ્રાન્સફર વીજળી, મ્યુનિસિપલ કોર્પોરેશન, ગેસ એજન્સી, property card
• Land revenue records and updation, pedigree  
• પાન કાર્ડ નવા / કરેક્શન
• GST return filing (through C.A.)
• આવકવેરા રીટર્ન/ Income tax return
• કાનૂની દસ્તાવેજો સુધારાઓ / correction of any government documents 
• મિલકત, બેંક, સરનામાં ટ્રાન્સફર માટે અરજી
• વેચાણ કરાર, વેચાણ ખત sale deed, and other documents 

અમદાવાદ મા કોઇ પણ પ્રકારના સરકારી કામ માટે મળો

સર્વિસ ટેક્સ સરકાર કાયદા મુજબ લાગુ પડશે.

અમે તમને ઘર બેઠા સર્વિસ પુરી આપીશુ

Office:

VERITAS THE TEAM

127, Sahajanand Park

Nr Swaminarayan Temple

Shahibaug Ahmedabad 380004

Ph: 079-40099917,9426497770

Mail: veritas.smeet@gmail.com

www.veritastheteam.com

Factors that do not impact your CIBIL Score Ahmedabad 9426497770 / 079-40099917

Loan, credit card rejected? low credit score call 079-40099917 VERITAS -Independent Financials Advisors, Ahmedabad INDIA www.veritastheteam.com

Factors that do not impact your CIBIL Score

Many times, we get worried that a chance delay in any of our obligatory payments such as tax or utility bill payments may get reported as a CIBIL default and impact our score adversely. However, many of these events are not reported to Credit Bureaus and hence, do not impact your CIBIL Score. Few factors that do not impact your Score are:

• Payment track record of utility bill payments including mobile and electricity
• Prepayment of loans or transferring your loan to another bank
• Payment track record of rent payments
• Cheque Bounces in your bank account
• Your Spouse’s CIBIL Score
• Checking your CIBIL Score regularly
• Any delay or defaults in tax payments
• Delay or default in paying to your suppliers or trade partners

While you may breathe easy that the above events are not going to affect your adversely, one word of caution : many of these factors may still be evaluated by the bank while taking a decision to lend. So, indirectly they may impact your eligibility to get a loan. Our advice is to follow a healthy and disciplined practice towards paying all your dues in time as:

• Many banks and NBFCs check your bank statements for cheque bounce information or your utility bills payment track-record to evaluate your credit-worthiness. This is especially true in the case of unsecured business loans or SME loans.
• Similarly, the banks may also check your spouse’s CIBIL score to establish the creditworthiness and calculate the eligibility of the household as a unit or in cases where you have filed a joint a loan application or are business partners.
• In the recent past, there have been increasing consensus on including utility bill payments records as a part of CIBIL score calculations. This is a popular practice in many developed countries and there is a likelihood of it getting implemented in India as well.

Why do I have a poor CIBIL Score?

It is extremely important to consider any early warning signs and take corrective actions to improve your score. Typically, poor CIBIL rating reflects the past credit repayment track record of the borrower. But sometimes, it may be a result of reporting errors by banks.

Below is a list of parameters that can adversely impact your CIBIL score:

Low CIBIL score due to wrong reporting by banks

Though CIBIL Score is ought to reflect the credit behavior of a borrower, sometimes wrong reporting by banks may translate into a low CIBIL Score. Some of the common errors by banks that can impact your score are:

• Wrong credit info provided by banks
• Record not updated even after the customer has paid
• Lenders classifying a/c as “settled with loss” while actually the dues were disputed
• Lenders showing amount as “overdue” even when the demand is contested by the customer

Low score due to past behavior of the borrower

Credit behavior and repayment track record of the borrower are some of the factors that result in a low CIBIL score. Some of the common credit behavior factors that result in a low CIBIL score of borrowers are:

• Write-offs reported, particularly in last 2-3 years on secured loans, unsecured loans, and credit cards
• Outstanding credit card dues
• Delay in payment of EMI’s on the home loan, loan against property, personal loan, consumer loan, gold loan or any other loan
• Too many loans already availed
• High credit availed on credit cards
• Too many loan applications made in the recent past
• The higher proportion of unsecured loans in total loans outstanding

તમને જો નીચે પ્રમાણે ની કોઈ સેવાઓની  જરૂરિયાત હોય, તો  મેહરબાની કરીને અમારો  સંપર્ક કરવા વિનંતી  ઘર બેઠા સર્વિસ આપવામાં આવશે

• Gumasta Dhara (દુકાનો અને મહેકમ) લાઈસન્સ & નવીકરણ
•  સોગંદનામું / Affidavit 
• જન્મ પ્રમાણપત્ર/ birth certificate
• લગ્નની નોંધણી / લગ્નનું પ્રમાણપત્ર/ marriage registration
• પાસપોર્ટ તાજા, નવીકરણ, મુખ્ય નાના passport new renewal correction fir 
• નામ ટ્રાન્સફર વીજળી, મ્યુનિસિપલ કોર્પોરેશન, ગેસ એજન્સી, property card
• Land revenue records and updation, pedigree  
• પાન કાર્ડ નવા / કરેક્શન
• GST return filing (through C.A.)
• આવકવેરા રીટર્ન/ Income tax return
• કાનૂની દસ્તાવેજો સુધારાઓ / correction of any government documents 
• મિલકત, બેંક, સરનામાં ટ્રાન્સફર માટે અરજી
• વેચાણ કરાર, વેચાણ ખત sale deed, and other documents 

અમદાવાદ મા કોઇ પણ પ્રકારના સરકારી કામ માટે મળો

સર્વિસ ટેક્સ સરકાર કાયદા મુજબ લાગુ પડશે.

અમે તમને ઘર બેઠા સર્વિસ પુરી આપીશુ

Office:

VERITAS THE TEAM

127,Sahajanand Park

Nr Swaminarayan Temple

Shahibaug Ahmedabad 380004

Ph: 079-40099917,9426497770

Mail :veritas.smeet@gmail.com

www.veritastheteam.com

CIBIL : Glossary

Asset Classification (AC) – It is important to note that some banks report DPD as per the Asset Classification norms defined by RBI, which are as follows: 

Actual Payment Amount – Is the amount you have paid to you lender if it is different from the EMI Amount. This may be more or less than the EMI Amount. 

Amount Overdue - Indicates the total amount that has been paid to the lender in a timely fashion (includes principal and interest amount) 

Cash Limit – Applies to credit cards specifically, It is the amount of cash you are permitted to withdraw from your credit card. 

CIBIL – Credit Information Bureau of India Limited 

Credit Information Reports (CIRs) - A report on a loan applicant’s willingness and ability to make payments in a timely manner in the past. 

Credit Rating (CR) – A judgement of a person’s ability to repay debts. The rating is often based on a person’s current and projected income and past debt payment history. Also called a credit score. 

Credit Score – Is a number, between 300 and 900, that reflects a person’s credit history. 

Control Number (CN) – This is your report number and is essential if you need to raise a Dispute Requests. 

Collateral – Is provided to a lender as security to protect the lender in the event you are unable to repay your loan. This may be property, shares, gold, etc. 

Credit Limit – Applies to credit cards and overdraft facilities. It reflects the total amount of credit you have access to with regard that credit card or overdraft facility. 

Creditworthiness – The ability of a consumer to receive favourable consideration and approval for the use of credit from an establishment to which they applied. 

Current Balance – Is the amount you still owe on a particular c credit card facility. Lender, typically take 30-45 days after your payment is received to update this information with CIBIL. 

Dispute – If a consumer believes an item of information on their credit report is inaccurate or incomplete, they may challenge, or dispute the item. CIBIL will investigate and correct or remove any inaccurate information or information that cannot be verified. 

DPD (Days Past Due) – DPD or Days Past Due apears in the Account information section of your CIR. The DPD indicates how nary days a payment on that account is late that month. Anything other than ‘000’ or STD is considered negative by a lender. 

EMI Amount – Is the EMI (Equated Monthly Instalment) that you pay on the loan. 

Enquiry – Enquiries are added to your report when you apply for a loan or credit card and the lender decides to access your CIR. Details such as the name of the loan provider size and type of loan are captured in this section. Please note that the date of the enquiry may differ from your actual application date because the lender may access your CIR a day or more after you have applied. 

High Credit – Applies to credit cards and facilities. It reflects the highest amount ever billed (including interest and fees) for that particular credit card or overdraft. 

Ownership – This field tells the lender who is responsible for payments on that loan or credit card. There are 4 types of indicators that can appear on your CIR:

1. Single: You are solely responsible for making payments on the accounts.

2. Joint: You and someone else bear joint responsibility to payments on these accounts. this wiIl also reflect on the other individuals CIR.

3. Authorized User: This is used for add-on credit cards that you may have. While this reflects on your CIR, lenders know that you are rot responsible for paying dues on that particular account.

4. Guarantor: A guarantor pledges to repay a loan on behalf of a third party who has taken a loan. Hence, he provides a guarantee to the lender that he will honour the obligation, in case the principal applicant is unable to do so. 

Repayment Tenure – Is the term at your loan. This field is to be read with the ‘Payment Frequency’ field in order to accurately understand the term or the loan. For example, 120 at a monthly payment frequency would mean the term of the loan is 10 years. 

Sanctioned Amount – This is the loan amount disbusmed is Applies to account types other than credit curds aid overdraft. 

Settlement Amount – When an amount owed on a loan account in disputed, the individual and lender settle at some amount in between. lt’s what the lender believes is owed and what the individual believes he should pay. This is the amount the individual has agreed to pay. The rest of the amount (that the lender believes is owed) is written-off by the lender. 

Suit-Field / Wilful Default – In case the lender has filed a suit against you, there is specific reporting prescribed by the Reserve Bank of India (RBI). This is as follows:

1. No Suit Filed (or the field will be blank); 2. Suit filed; 3. Wilful Default; 4. Suit filed (Wilful Default) 

Written-Off Amount (Principal) – This field reflects the principal unpaid written-off by the lender. It follows that the difference between the total and principal written-off amounts is the interest amount that has been written-off on this account. 

Written-Off Amount (Total) – When a loan is written-off there is an interest and principal component. This field reflects the total interest and principal amount written-off. 

Written-Off and Settled Status – If this section is populated the lender has either restructured your loan by offering you different terms (extend the loan tenure or reduced the interest rate, etc) Written off this amount, or settled at some amount less than what the lender believes it was owed.

The possible values are as follows:

1. Restructured Loan; 2. Restructured Loan (Govt. Mandated); 3. Written-off (WO); 4. Settled; 5. Post (WO) Settled 

Reference – CIBIL