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How to "Dilute" Bad Credit with Good Credit to Improve Score?

Mistakes which will ruin your Credit score

Improving your credit score isn't easy. More often than not, it takes months if not years to reverse the damage. This is the reason why the majority of credit experts strongly emphasize on developing good credit habits in the first place.

If you are tired of looking for a loan with bad CIBIL score and want to improve your creditworthiness, then chances are you have already found out a variety of ways to go about it. If one of these is "diluting" your bad credit with good to make an overall improvement, then you are at the right place.

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Is it possible to make up for bad credit with good credit?

There is no right answer to this question. This is because unlike report cards, in which you can make an overall improvement by scoring well in some of the exams to make up for the poor performance in the rest, there is no guarantee that it will happen in your free CIBIL report as well.

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An academic report card is pretty straightforward. Your overall score is affected by your performance in every single examination, as it's the average of all. However, credit reports are created differently. For starters, different credit rating agencies follow a different calculation method for the scoring and may give the highest priority to some factors over others. Some agencies are also more stringent than others and may ignore your efforts to improve your credit score with good debt.

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Now, it would be wrong to say that you can't improve your credit report with good credit at all. Positive results are often observed in long-term, so you definitely should give it a shot.

How do you go about it?

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If you want to improve your creditworthiness, the most important thing that you can do is get the bad debt removed from your credit report.

If you have defaulted on a loan in the past, then that can be the biggest factor to bring your score down. However, most banks are reluctant to have it removed because of the seriousness the act bears. That said, it's not impossible to get it removed.

You can start with becoming more careful with your credit management. For instance, you can start paying your bills on time, keep credit utilization low with your credit cards usage, etc. If you are able to develop a good reputation for credit management, then you can approach your bank and request them to remove the bad remarks from your credit report. These include late payments, loan defaults, settled accounts, etc.

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There are a few other things that you need to be careful about as well if you don't want to apply for a loan with bad CIBIL score:

1. Credit History

Your oldest bank accounts and credit card accounts are of the utmost importance when it comes to credit score calculation. So, unless you absolutely have to, you should keep these accounts open. If you have “too many” accounts, then consider closing the one that’s the most recent.

2. Minimum Payments

Don't be fooled by the convenience of the "minimum payments" offered with the credit cards. Although you can make a minimum payment (1% or 2% of the balance) every month, it can lead to debt accumulation.

You don't want your debt to increase if you want a healthy credit score. So, make it a point to always pay your credit card bills in full.

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3. Late Payments

Just like minimum payments, late payments can also have an adverse effect on your credit profile. In fact, by paying your EMIs and credit card bills on time on a consistent basis alone you can make a huge improvement in your credit score.

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The majority of credit rating agencies give the highest importance to repayment history. So, always pay your bills on time even if you have to borrow some money from your family occasionally.

To sum it up, "yes" it's possible to dilute bad credit with good credit for an overall improvement.

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

1. Gumasta ધારા (દુકાનો અને મહેકમ) લાઈસન્સ & નવીકરણ
2. નોટરી / સોગંદનામું
3. જન્મ પ્રમાણપત્ર
4. લગ્નની નોંધણી / લગ્નનું પ્રમાણપત્ર
5. પાસપોર્ટ તાજા, નવીકરણ, મુખ્ય નાના
6. નામ ટ્રાન્સફર વીજળી , મ્યુનિસિપલ કોર્પોરેશન, ગેસ એજન્સી
7. પાન કાર્ડ નવા / કરેક્શન
8. gst return filing (through C A)
9. આવકવેરા રીટર્ન
10. કાનૂની દસ્તાવેજો સુધારાઓ
11. મની લોન્ડરિંગ લાયસન્સ
12. આરોગ્ય લાઇસન્સ
13. વ્યાવસાયિક કર
14. નિકાસ આયાત લાઈસન્સ
15. ડ્રાઇવિંગ લાયસન્સ, નવીકરણ, આંતરરાષ્ટ્રીય
16. મિલકત, બેંક, સરનામાં ટ્રાન્સફર માટે અરજી
17. વેચાણ કરાર, વેચાણ ખત

અમદાવાદ મા કોઇ પણ પ્રકારના સરકારી કામ માટે મળો

સર્વિસ ટેક્સ સરકાર કાયદા મુજબ લાગુ પડશે.

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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

What factors on my credit report are the most critical to my loan approval?

CREDIT REPORTs have been widely used by loan providers to evaluate loan applications for over 5 years.  However, only recently have people begun to realize, how crucial it is to be aware of and maintain their credit history. Understanding the CIBIL credit report helps you identify the right time in your financial life cycle to apply for a loan and increase your chances of a loan approval. Listed below are the most important attributes looked at by a Loan provider while evaluating your credit application.

•  Attribute 1: Payment History
  This appears in the Account(s) section of your CIBIL credit report. There are 2 parts to this information: the Days Past Due (DPD), and the month and year of payment that reside here. The DPD indicates how many days the payment is late that month. Anything other than “000” is considered negative by a Loan provider. Up to 36 months of this payment history (with the most recent month displayed first) are provided in this section.
• Attribute 2: Current Balances
  Also appearing in the Account(s) section of your credit report, the current balances on various loans indicate the depth of your debt. The sum of your current balances helps a Loan provider determine your strength to take on additional EMIs, in relation to your current income. Naturally, lower the current balance, the better the chance of your loan getting approved.
•  Attribute 3: New Credit Facilities
  If a loan provider observes that you have recently been sanctioned a number of new credit facilities, it would mean that your monthly outflow in terms of EMIs, are likely to have increased. Hence, it may have a negative impact on your loan application.
• Attribute 4: A number of new Enquiries
  If you have applied for a number of loans in the recent past, the chances of your loan getting approved are likely to suffer. Simply because, this credit behaviour indicates that you are “Credit Hungry” and in an urgent need of money. It is likely to make Loan providers more cautious while evaluating your credit application.

If you are planning to apply for any sort of credit facility for a purchase (home or car) in the near future, it is imperative to check your CIBIL credit report 2-3 times each year and ensure that your ‘Reputational Collateral’ is reflected accurately. This will provide you with access to credit faster and at better terms. Rest assured; that Enquiries are not added to your CIBIL credit report when you purchase one directly from a CIBIL.