What is the minimum CIBIL™ score to get a personal loan? Ahmedabad 9426497770 / 079/40099917

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

What is the minimum CIBIL™ score to get a personal loan?

It is generally advisable to have a credit/CIBIL™ score of 750 or above to qualify for a personal loan Your credit score is a three-digit number between 300 and 900 that gives potential lenders a quick idea of your credit health. The higher your score, the better are your chances of being approved.

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.

As a first step, lenders typically look for a minimum credit/CIBIL™ score of 750 before deciding whether to go ahead with processing your application.

What is the role of my credit score in the loan process?

CIBIL™ collects and maintains records all your credit-related activity with banks, credit card companies and other formal lenders. It gets reports on a monthly basis from these lenders on all your transactions. This includes information on your EMI and credit card payments (including any late or missed payments), balance outstanding, any change to your total credit limit, and all other details relevant to your credit profile.

Based on this data, a complex mathematical formula is used to calculate your credit score. The score is a reflection of your credit behavior and gives potential lenders a snapshot of your credit-worthiness. If you have a good track record of making all your payments in time and in full, your score will tend to be high. If you have a history of defaulting on payments or using excessive credit, it will have a negative impact on your credit score.

I have a credit score below 750. Will I get a loan?

If your score is between:

300-599 – You will not qualify for a loan. Such a low score is a warning signal to lenders that you do not have a history of good credit behavior. Most lenders will reject your application right away. It is necessary to take immediate steps to rebuild your credit health and improve your score.

600-749 – Though it is not a high score, you might have a chance of being approved by some lenders. They might be willing to look at other factors that will impact your repayment ability in the future like the stability of your employment, your monthly salary, the extent of your other liabilities. If they think you have the ability to fulfill your repayment burden despite your middling score, your application has a chance of being approved.

750 and above – You have a very good chance of obtaining a loan with such a score. There are several other advantages to a high score: the approval process will be much faster; the loan amount might be larger; you might be able to negotiate a lower interest rate. The whole loan approval process is much simpler.

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.

અમે તમને ઘર બેઠા સર્વિસ પુરી આપીશુ

What is the duration of information contained in the CIBIL report? Ahmedababd 9426497770 /079-40099917

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

What is the duration of information contained in the CIBIL report?

Your credit repayment history for the last 3-4 years is displayed in your Credit Report and same is applicable for any negative track record

How frequently does your CIBIL report get updated?

Credit Information report is updated as and when new information is received from the member credit institutions. Information related to repayments of current loans and new inquiries for fresh loans is updated regularly.

Can there be errors in our CIBIL Report?

• CIBIL report documents the credit history, loan queries, type of loans availed by you in the past and as reported by your bank to the bureau. All this information together is used to compile a single CIBIL score of the borrower which reflects his/her credit-worthiness.
• While the bureaus use highly automated systems and technology to receive, capture and process borrower information from banks, there still remain a possibility of errors showing up in your CIBIL report.
• As the information contained in the CIBIL report impacts your credit score and your ability to avail credit, it is essential that you go through your CIBIL report carefully to ensure that there are no errors. Any errors found need to be raised and rectified through CIBIL dispute forum.

What are some of the common errors that crop up in your CIBIL report?

• Inaccurate current balance or amount overdue
  • The current balance in your CIBIL report reflects an outstanding amount. Amount overdue states that you have failed to service your current loan obligations.
  • You may find that the last EMI paid is not updated in your CIBIL report. The missing update is counted as inaccuracy. This usually happens when a CIBIL report is purchased within 45 days of the EMI paid. The payment is generally updated within 45 days by CIBIL after receiving the data from a lender.
• Incorrect Personal Details
  • CIBIL report carries a section of your personal details that includes name, PAN, address, date of birth. Different banks submit different details after which CIBIL collates the data received and summarize it into one CIBIL report.
  • You must ensure that the information reflected in the CIBIL report is accurate before filing a loan application.
• Ownership
• If you discover that wrong loan account has been added in your CIBIL report then the same has to be brought to the bureau’s notice immediately.

Inaccurate CIBIL Report? What should be the next step?

CIBIL has created a dispute resolution forum which allows a borrower to raise a dispute and get it rectified using the process listed below:

• If you spot an error in your CIBIL report, you can download, fill and submit an Online Dispute form to get it rectified. Please provide your complete and accurate details to allow CIBIL to communicate with you effectively through the dispute resolution process.
• Your dispute is logged in and registered using your Control Number and the personal details. The control number is the 9 digits unique number assigned by CIBIL to a new report generated. A new control number is assigned every time a report is generated.
• You are advised to fill the accurate control number and date in the dispute form as it helps CIBIL to identify the report for which the dispute is being raised.
• After submitting the form, a unique dispute ID is generated with reference to the dispute raised and is sent to you.
• After recognizing the complaint, CIBIL checks the error with the respective bank. CIBIL is the custodian of the data, not an owner. CIBIL only compiles and prepares a report on the basis of the data given by various lenders.
• The bank checks their internal records and responds to CIBIL with a response on your query raised.
• Once CIBIL receives clarification from the respective bank, it conveys the same to you. Usually, CIBIL takes 30 days to resolve the dispute.
• Just like CIBIL, Experian also has an online process whereby you are required to fill the form and send it by post to their address along with a self-attested copy of your identity and address proof.

What if you have raised a dispute mistakenly or accidentally?

If you have raised a dispute mistakenly or accidentally, there is nothing to worry as the same does not affect your CIBIL score in any manner. It will not be reflected anywhere in your CIBIL report at any point of time. Nevertheless, you are advised to check your CIBIL report thoroughly before raising a dispute.

What is the difference between a credit report and a credit score?

• A credit report is a complete record of all loans and credit cards availed by you in the past compiled by one of the credit bureaus such as CIBIL, Experian, Equifax or Highmark. The credit report also contains your personal information and a record of all loans and credit cards applied irrespective of whether those were sanctioned or not. Against each account, the credit report shows your payment track record, sanctioned amount, current outstanding balance, date of opening of an account, last payment and track record of any delays in paying installments.
• Credit score, on the other hand, is a three digit number assigned by the credit bureau based on all compiled information. The score can range from 300 to 900 in India and better the past repayment record, higher the score. More recent credit activity tends to have a higher weight age than that in the past.

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.

અમે તમને ઘર બેઠા સર્વિસ પુરી આપીશુ

Frequently asked questions on CIBIL transunion report Ahmedabad 9426497770 /079-40099917

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

Frequently asked questions on CIBIL transunion report

Why CIBIL report is important?

CIBIL report is important due to various reasons:

• CIBIL reflects your credit history and score which is used by banks to take a decision to lend to you or not.
• Banks check your CIBIL score before approving the loan application.
• In some cases, landlords check CIBIL report before renting you a home.

Who writes CIBIL report? How do they know all this about me?

• CIBIL is a third party agency that maintains and periodically updates credit profile of borrowers and share the same with lenders, service providers such as mobile phone companies and borrowers (for a fee). There are four authorized credit bureaus in India as of now. Of these CIBIL is the oldest and has the widest coverage in terms of number of customer accounts. Newer ones like Experian, Equifax and Highmark are also growing fast.
• CIBIL receives information about your credit history from the respective banks and the lending companies. After which CIBIL compares and combines it into one report.

How is CIBIL report useful for banks and financial institutions?

• Gives comprehensive information to banks on your existing borrowings - CIBIL report reflects your credit usage and includes extremely useful information on the following aspects:
  • Number of loans and credit cards availed in past
  • Type of loan availed (secured or unsecured like personal loan, home loan, car loan, loan against property).
  • Total amount of credit availed and amount outstanding
  • Payment track record
  • Application track record
• Allows banks to get insights on your credit behavior and hence your ability and willingness to repay back their loans on time.
• Helps banks in taking a decision on other loan terms such as loan amount eligibility: Accurate information on all past loans availed and your current EMI obligations allow banks to accurately estimate your loan eligibility thus reducing the risk of over-leveraging and hence, default.
• Banks can also introduce risk-based pricing based on your report, thus allowing to offer low-interest rates to borrowers with high credit score and vice versa.

In summary, credit reports help lenders identify borrowers who are likely to pay back their loans and avoid borrowers who have a poor credit history.

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.

અમે તમને ઘર બેઠા સર્વિસ પુરી આપીશુ

Solutions for your CIBIL Credit Report Problems Ahmedabad 9426497770 /079-40099917

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

Solutions for your CIBIL Credit Report Problems

CIBIL or Credit Information Bureau Limited is a credit information company in India. A CIBIL Credit Report is a record of your credit history and is formed after collecting the records of an individual’s payments pertaining to loans and credit cards. Once the CIBIL score is calculated, it is sent to banks and financial institutions for evaluation. Each bank or credit institution has its own benchmark that constitutes as a good score. It differs across banks.

The credit scores and CIBIL credit report help the banks and credit institutions in determining if the individual is eligible to avail credit.

Where will the CIBIL Credit Report be used?

Your CIBIL Credit report or score plays a pivotal role in your financial journey. Your CIBIL score/ credit report acts as the first impression for the lender, the higher the score, the better the chances of the loan/credit card is approved. Listed below are some of the ways a good CIBIL score/ credit report can help you.

• Quicker and hassle-free approval for loans and credit cards.
• Lower interest rates.
• Easy approval for rented/leased houses and apartments.
• More negotiating power.
• Get approved for higher limits.

CIBIL Credit Score Problems and its Solutions

1. Error in your CIBIL Credit Report- Errors in CIBIL report can be something as minor as a spelling error in your name or address. Though this might seem like a minor error, it can cause damage. The other sort of damage you might incur is from a mistaken identity where you might find someone else’s loan details in your report or an overdue amount on a loan that you haven’t taken. These minor errors will bring down your CIBIL score drastically and might even lead to rejection of your application.
   Kind of errors that might occur in the CIBIL report
   1. Inaccurate current balance
   2. Inaccurate amount overdue
   3. Incorrect personal details
   Solution: The first step of the solution is to obtain a copy of your CIBIL credit report from CIBIL. Once you get access to the reports, analyze the errors and initiate a dispute by filing a dispute resolution form that is available on the CIBIL website. One has to provide their name, address, date of birth, a control number when they file a dispute resolution.
2. Days Past Due (DPD)- Days Past Due indicates the number of days payment on that account is late that month. Anything other than ‘000’ is considered negative by the lender. If your DPD indicates anything other than ‘000’ it will mean that you haven’t met your financial obligations and this might create a negative impression on your financial record.
   Solution: The best way to avoid unfavorable DPD is to pay your bills on time and avoid taking excessive, unnecessary debt so that you can honor your financial obligations without any hassles.
3. Bad credit history- A poor credit score or credit report will sabotage your chances of availing a loan, credit card or any other kind of credit.
   Solution: Listed below are the steps to follow to avoid or repair bad credit.
   • Pay your bills on time- Never delay your payments.
   • Avoid making minimum payments- Making minimum payments will land you in trouble in the longer run.
   • Avoid excessive debt- Moderation is the key. Take what you need.
   • Converse- If you are unable to make payments on time make sure to contact your bank or financial institution about a credit plan.

One can avoid CIBIL credit score by being responsible and taking necessary measures. It is easy to repair your credit score problems but it’s better to avoid it.

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.

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

Credit Score: क्या आपका क्रेडिट स्कोर कम है, इन तरीकों से बढ़ाए अपना स्कोर 9426497770 /079-40099917

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

Credit Score: क्या आपका क्रेडिट स्कोर कम है, इन तरीकों से बढ़ाए अपना स्कोर

यदि आप इस साल या आने वाले समय में एक मकान या कार खरीदने के बारे में सोच रहे हैं तो आपको क्रेडिट स्कोर के महत्व को अच्छी तरह समझना होगा। क्रेडिट स्कोर भारत में सिबिल, एक्सपेरियन और ट्रांस यूनियन जैसी कई कंपनियां देती है। आपका क्रेडिट स्कोर सिर्फ एक नंबर नहीं है बल्कि यह आपके फाइनेंशियल हेल्थ का एक इंडिकेशन भी है और एक लेंडर आपके लोन रीपेमेंट बिहेवियर और क्रेडिबिलिटी को समझने के लिए इसे जरूर देखता है।

आम तौर पर इसी के आधार पर यह तय किया जाता है कि आपको लोन देना चाहिए या नहीं और लोन का इंटरेस्ट कितना होना चाहिए। यदि आप एक लोन के लिए अप्लाई करते हैं और खराब क्रेडिट स्कोर के कारण आपका एप्लीकेशन रिजेक्ट हो जाता है तो आपका क्रेडिट स्कोर और नीचे गिर जाएगा।

इसलिए एक बैंक में एक लोन मांगने के लिए जाने से पहले आपको ऑनलाइन पर अपने क्रेडिट स्कोर की एक सॉफ्ट जांच कर लेनी चाहिए। लेंडर्स आम तौर पर 750 के क्रेडिट स्कोर को बेहतर मानते हैं। इससे कम स्कोर वाला क्रेडिट स्कोर आपके लिए नुकसानदेह साबित हो सकता है।

आईआरसीटीसी दे रही 5000 डिजिटल मैगजीन पढ़ने की सुविधा, 86 फीसदी डिस्काउंट का ऐसे उठाएं फायदा

लेकिन आप अपने क्रेडिट स्कोर को बेहतर बना सकते हैं। आम तौर पर ख़राब फाइनेंशियल हैबिट्स जैसे लेट ईएमआई रीपेमेंट, लोन डिफॉल्ट, क्रेडिट कार्ड बिल का लेट पेमेंट या नॉन-पेमेंट, इत्यादि के कारण क्रेडिट स्कोर ख़राब हो जाता है। इसलिए आप अपने स्कोर को खराब होने वाले कारणों की पहचान करके और उन्हें दूर करके अपने क्रेडिट स्कोर को ठीक कर सकते हैं।

आइए इसके बारे में विस्तार से जानने की कोशिश करते हैं। किस वजह से आपका क्रेडिट स्कोर कम हो सकता है और इसे आप कैसे ठीक कर सकते हैं? यहाँ एक क्रेडिट स्कोर के नीचे गिरने के कुछ आम कारण बताए गए हैं।

लोन डिफॉल्ट

किसी लोन के डिफ़ॉल्ट होने या ईएमआई पेमेंट के बार-बार मिस होने के कारण एक व्यक्ति का क्रेडिट स्कोर नीचे गिर सकता है, चाहे उसने ऐसा जानबूझकर किया हो या अनजाने में। आपका क्रेडिट स्कोर आपके रीपेमेंट पैटर्न का एक प्रतिबिंब है। समय पर रीपेमेंट न कर पाने की एक वजह यह भी हो सकती है कि आपने अपनी रीपेमेंट कैपेसिटी से ज्यादा बड़ा लोन ले लिया है। अब से अपने मौजूदा लोन का रेगुलर पेमेंट करके आप अपने स्कोर को फिर से ठीक कर सकते हैं। इसका असर आपको कुछ महीने बाद दिखाई देगा।

अपडेट्स की कमी 

कभी-कभी लेंडर्स, क्रेडिट ब्यूरो को सही लोन स्टेटस बताने में फेल हो जाते हैं, यदि आपने पेमेंट क्लियर कर दिया है तब भी, जिसे आपने अतीत में मिस कर दिया था। इससे आपका क्रेडिट स्कोर ख़राब हो सकता है। इसलिए अपने सभी ड्यूज क्लियर करने के बाद लेंडर से ‘नो ड्यूज’ सर्टिफिकेट लेना जरूरी है। इसके अलावा, यदि आपकी क्रेडिट रिपोर्ट अपडेटेड नहीं है तो आप ‘नो ड्यूज’ सर्टिफिकेट की मदद से उस पर फोलो अप कर सकते हैं।

5 लाख के बीमा वाली आयुष्मान भारत योजना के तहत 100 दिन में इतने लोगों का इलाज हुआ

हाई क्रेडिट यूटिलाइजेशन रेशियो 

क्रेडिट रेशियो का मतलब है - इस्तेमाल किए गए क्रेडिट और मौजूद क्रेडिट का रेशियो। इसका रिकमेंडेड लिमिट 30% है। इससे ज्यादा क्रेडिट रेशियो आपके क्रेडिट स्कोर पर बुरा असर डाल सकता है। ऐसा इसलिए होता है क्योंकि हायर क्रेडिट यूटिलाइजेशन रेशियो से पता चलता है कि आप क्रेडिट के भूखे हैं। इसके अलावा, आपकी क्रेडिबिलिटी पर भी इसका बहुत बुरा असर पड़ता है। आप अपने कार्ड का क्रेडिट लिमिट बढ़ाकर या अपने खर्च को एक से अधिक कार्ड में बांटकर अपने क्रेडिट यूटिलाइजेशन रेशियो को कंट्रोल में रख सकते हैं और आपका क्रेडिट स्कोर भी ठीक रहेगा।

एक लोन गारंटर बनने की जिम्मेदारियां 

यदि आप किसी के लोन के गारंटर बने हैं तो आपके क्रेडिट स्कोर पर उसके लोन रीपेमेंट बिहेवियर का भी असर पड़ सकता है। यदि वह अपना लोन चुकाने से चूक जाता है तो उसकी वजह से आपका क्रेडिट स्कोर भी ख़राब हो सकता है। इसके अलावा, यदि आप किसी के फाइनेंशियल गारंटर बने हैं तो बैंक के पास आपसे डिफ़ॉल्टेड अमाउंट वसूलने का अधिकार भी होता है। इसलिए, किसी का गारंटर बनने से पहले आपको उसके फाइनेंशियल पोजीशन के बारे में जान लेना चाहिए।

अंत में, यह जरूर याद रखें कि एक हाई क्रेडिट स्कोर, फ्यूचर में आपको लोन मिलने के चांस को ही नहीं बढ़ाता है बल्कि यह आपके लोन के कॉस्ट को भी कम करता है क्योंकि एक अच्छा क्रेडिट स्कोर आपको कम इंटरेस्ट रेट पर लोन लेने का मौका देता है। 

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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

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127,Sahajanand Park

Nr Swaminarayan Temple

Shahibaug Ahmedabad 380004

Ph: 079-40099917,9426497770

Mail :veritas.smeet@gmail.com

www.veritastheteam.com