CIBIL provides credit information about individual customer and business entities that helps banks in taking decision on sanctioning credit to any customer.
Before opting for a joint loan with your parents or spouse (after all, anybody who you love is your Valentine) you must first understand the implications of this loan.
In an online chat with readers, Harshala Chandorkar of CIBIL answered their queries on education loans.
Let the festivities and celebrations begin; get yourself a credit card this Onam. Shop with it, earn reward points, make your family happy but remember to never go overboard or miss your payments, says Rajiv Raj
Couples, who plan money together, stay together and get rich together!
Work fetches money and that is what keeps us going. But how about money fetching more money? We plan to give you what you need to get started.
If your are hassled with too many EMIs, bring them all under one umbrella and pay a single amount
Did you know that credit cards can in fact help you to improve and build your credit score if used responsibly and wisely!
Go make a beautiful home but spend smartly and wisely!
What is your credit rating and why is it important? Read on to find out...
All you need to do is fill up an application form available at Credit Information Bureau (India) or Cibil's website, attach a draft for Rs 142 and an identity proof and mail it to Cibil. The company's Managing Director Arun Thukral said that the report would reach you within a week.
BoB's offer of a lower home loan rate to customers with credit scores of 760 and above makes it incumbent on everyone to pay heed to this all-important number.
If you choose to be a stay-at-home mom, it definitely does not mean that you are losing a grip over your finances. In fact, there is a lot you can do for yourself and your family.
Here are some great books on personal finance and wealth creation that tell you all about how to avoid a debt trap and transform the way in which you handle your finances.
These will save you some money and lots of hassles.
Harshala Chandorkar, Senior Vice President -- Consumer Relations, Communication & CIC Compliance Credit Information Bureau (India) Limited (CIBIL), on Monday, August 12, to get answer to all your queries.
Harshala Chandorkar, senior vice president, CIBIL, answered readers' queries on the risks related to guaranteeing a loan in an online chat with readers, January 27
Harshal Chandorkar of CIBIL answered queries on credit report and in an online chat with Get Ahead readers on october 28.
You will be able to access your credit scores in December 2010. The score will range from 300 to 900, indicating the levels of default. It will be available to consumers for a sum not exceeding Rs.100 as prescribed by the RBI. CIBIL, which already has a huge database of credit reports - which are currently consulted by banks before sanctioning a loan is putting up the infrastructure to be ready to service consumers who wish to access their credit reports.
Surprised? Here's how a credit can benefit you.
There is no such thing as 'free' credit cards. Most of the charges associated with your card are not even told upfront to you. Knowing about these various fees and charges will put you in good stead and help you use your card prudently.
On the consumer front, CIBIL is working towards simplifying the process of fetching credit scores -- it is tying up with a payment gateway which will help individuals fetch theirs scores online by making an online payment.
More credit bureaus to ensure faster dispute resolution.
Credit card loans and personal loans are two prime examples of unsecured loans that must always be avoided.
For a borrower, who has serviced his loan without missing any repayment, the banks will be willing to take over the loan, give a top-up, and would offer lower interest rates, says Tinesh Bhasin.
Some of the most common grounds on which card issuers reject credit card applications in India, along with tips on how to overcome these hurdles.
As you ring in the New Year, here's a list of the 10 most important financial resolutions to get your money train back on track.
Remember to take important documents like no dues certificate.
You can gift your sister a Women Special Credit Card, which is not only loaded with exciting rewards for women, but they are also your sister's first step towards a better credit management.
If you default, the bad behaviour stays in your credit report for a very long time
If banks won't lend, seek a loan from fintech lenders or P2P platforms to help you get out of a debt trap.
While there is easy access to money, the flip side is the high interest rate and processing fees, points out Sarbajeet K Sen.
Six money lessons you can learn from the popular game
So what money lessons did we learn after watching Rohit Sharma's magnificent, world record inning unfold? Read on...
If you are one of those who is now staring at your credit card bill and wondering how to go about it, here is the way out.
If you score well in your credit report with anything between 700 and 900 points, your demand will be easily processed and approved.
Just like our older generation, you should realise that a penny saved now would come in handy when you need a penny.
Money is a touchy topic for most of us. Money fights between couples are all about control and freedom. Keeping the communication channels open and respecting each other's attitudes can help couples manage finance better.
While you go about it, please note that if it is difficult for you to keep your spending habit in check, all the benefits of getting a credit card limit increase will be pointless.
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