Ask rediffGURU and PF and MF expert Janak Patel your mutual fund and personal finance-related questions.
Building your credit from scratch during your post-graduation years is a good idea because it gives you the opportunity to build a solid foundation for your credit history. Here's how to go about with it.
Indian consumers can now access their CIBIL TransUnion Score to make informed borrowing decisions and avail speedier access to credit.
The advice your mother gave you about choosing your friends wisely got a whole new meaning with lenders looking at your social media posts
A healthy CIBIL Report and a high CIBIL TransUnion Score indicates that you are managing your loans and credit relationships well and are financially savvy
Harshala Chandorkar, chief operating officer, CIBIL, explains your rights and duties as a responsible consumer
The difference between Cibil and other marketplaces is that in the case of the latter the credit report is accessed after the customer clicks the loan offer, while in the case of Cibil the customer first checks the credit score and then applies for the loan.
Sharing your credit card with the spouse has it perks. Read on to find out more!
A bad credit score in general is seen as an irresponsible behaviour of an individual. Inability to pay on time reflects that the person is not capable of take care of things.
Making purchases on your credit card can turn out to be a better idea. Here's why.
Besides a good CIBIL score, lenders also look at the applicant's ability to pay off the additional debt burden. This is where Yash had a problem.
Because a settled account will do more damage to your credit history than you can imagine.
Paying just minimum amount due? Closed your oldest credit card? Have never accessed your CIBIL report? You could be in trouble :(
Let not the smartness be confined only to your phone... Transfer it to borrowing too! Here's how
The 'DPD' indicates how many days a payment on a respective account has been delayed. Simply put, it's trouble for the borrower
It all begins with a little overspending on the credit card, and before you know it, you find yourself being sucked into a debt trap. You may think you have a debt pay off plan, but think again!
An error does not become a mistake until you refuse to correct it. Errors in your CIBIL credit report can become costly mistakes if you do not rectify them in time. So next time you get your CIBIL report, do not just see the score and tuck it away.
Rajiv Raj tells you why a store credit card is not a good idea, even though you are tempted with extra 'savings' of 10 per cent on your purchase or a 5 per cent cash back or a 'sign on bonus'.
In order to be eligible for a loan when you really need one, it is imperative to maintain a good credit score. By having a good mix of debt and servicing it regularly, you can maintain a good credit score and be loan ready at all times.
Your social media profile may soon be your ticket to a loan or a credit card, says Abhishek Agarwal
Warning: These tips are not for those who are already in a debt trap or struggling to meet expenses.
Correct your friends the next time they try to scare you; offer them tips on how they can improve their credit scores if they are poor borrowers
Some leading private and foreign banks in the country have started checking scores of credit information companies such as Credit Information Bureau Ltd as part of their pre-employment screening process.
A six-point checklist to follow when lenders reject your home loan application.
A mortgage is a great responsibility that you must bear on able shoulders for a long period of time. If you already have a mortgage or are planning to avail of one soon, you are obviously confident of your finances, but a few tips to save money on your home loan couldn't hurt, right? Read on to find out more!
'During times of adversity, a brick becomes better than a stone. That is how I look at the election season.'
Join Rajiv Raj of Credit Vidya on how you can get good CIBIL score and home loan rates at 4.30 on Rediff ZaraBol.
It is important to understand how your salary influences your loan amount and implementing these valuable strategies can significantly impact your eligibility for the personal loan you desire, says Kamaljeet Rastogi.
Co-signing a loan is a huge responsibility and can impact you greatly. Here's what you need to know before your generous streak gets the better of you!
With an eye on the coming festive season, leading public sector bank State Bank of India will provide home loans to its customers at concessional interest rates. SBI chief general manager (CGM) Umesh Kumar Pandey informed that this drive to provide home loans at concessional interest rates will be completed in two phases, an official release said on Thursday. The first phase will be operated from September 1 to October 31, while the second phase will be operational from November 1 to December 31, it said.
Some of the celebrities whose names and details were used by the fraudsters are Abhishek Bachchan, Shilpa Shetty, Madhuri Dixit, Emraan Hashmi and Mahendra Singh Dhoni, Deputy Commissioner of Police (DCP) of Shahadra Rohit Meena said.
Find out how banks and lending institutions decide if you are worth their money based on your CIBIL TransUnion Score and Credit Information Report.
Harshala Chandorkar of CIBIL answered your credit score related queries in an online chat, February 3.
If you are a compulsive credit card user and are at a loss about how to regulate your credit card spend, here is help at hand!
No matter how attractive a pre-approved offer may seem, bear in mind that there are indeed no free lunches
Just avoid these credit card mistakes and live your second innings in style, says Rajiv Raj
There are four distinct advantages the most important being getting a good credit score
You may think that teenagers and credit cards are a recipe for disaster but before you dismiss the idea give it a second thought.
There is no overnight solution and it requires plenty of patience and discipline to set it right
In FY24, loans given out by such firms had topped a whopping Rs 146,517 crore, up by 49 per cent year-on-year and spread over 10.19 million accounts (up 35 per cent).
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