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.
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!
Applying for a home loan may seem scary if you go into the process unprepared, but if you have braced yourself well in advance and follow these steps you will find that getting your home loan application approved is a breeze.
Documents such as PAN card, Aadhaar card, I-T return papers, which are used for KYC, can get leaked from a number of sources. Other prominent sources are the direct sales agents and photocopy shops, say Sanjay Kumar Singh.
A dream home can be closer to reality if you live a financially disciplined life. All that it takes is to make smart moves at the right time in your life and career.
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!
Credit Information Bureau (India) Limited (Cibil) will now provide customers their credit reports and scores online. Individuals can now access these through a three-step process.
Gifts for loved ones, spending on yourself on impulse buying on EMIs and credit cards can leave your financial health completely stressed by the end of the year, says Harshala Chandorkar, Senior Vice President -- Consumer Relations, CIBIL
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.
If you want to apply for a job at State Bank of India (SBI), any default on loans or credit card payment will render your ineligible.
Experts attribute the lower target to increased allocation under the credit guarantee scheme for small businesses. Out of the Rs 3.21 trillion worth loans sanctioned under the Pradhan Mantri Mudra Yojana (PMMY) in the last financial year, Rs 3.12 trillion were disbursed to entrepreneurs, according to official data.
If you are panic-stricken because of your inability to repay even your minimum amount due on your credit card, help is at hand.
What is your credit rating and why is it important? Read on to find out...
CIBIL has started providing individuals with their credit information reports. Here's why it makes sense for you to know what it's all about.
Being careless with money is often associated with bad financial habits. If you are not aware of what these bad habits are, here is a list that could well serve as a caution.
The advice your mother gave you about choosing your friends wisely got a whole new meaning with lenders looking at your social media posts
Here are some pointers that should serve as red flags for you
Follow these 6 Cs of building good credit and your lender will never disappoint you!
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.
From 13 members and database on four million trades in 2004, when Credit Information Bureau of India (Cibil) was set up, the country's first credit information company now has 162 members and database on 127 million companies and individuals.
The Credit Information Bureau (India) Limited (CIBIL)can now generate a copy of your credit history and payment default reports at the click of a mouse. Borrowers will now have to tidy up their payment history.
In an online chat with readers on October 14, Anil Rego answered their credit card queries.
Top four consequences for you to keep in mind before you miss a mortgage payment
No matter how attractive a pre-approved offer may seem, bear in mind that there are indeed no free lunches
Did your bank ever reject your loan application because you were reported falsely for having bad credit history? Tell us.
Read on to understand the pros and cons of higher credit limit
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.
Six compelling reasons to use your credit card. WARNING: reckless use of plastic can land you in a debt rap
Did you know that credit cards can in fact help you to improve and build your credit score if used responsibly and wisely!
If you do not overspend, we advise you to get yourself a credit card. It will open up a whole new world of benefits.
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.
To ease the process of decision making while buying a house, we have put together important factors you need to consider.
Now that you have clicked on this sensational headline do read what follows. It will not make you a millionaire in 15 days but lays a solid foundation for you becoming one.
You require a credit score to get fresh debt and you must have existing debt to get a credit score... Confused? Well, here's how they are related.
The much awaited Credit Information Bureau (India) Ltd was launched on Wednesday with a database of 55 consumer credit records which would help creditors to evaluate risks, reduce incidence of defaults and non-performing assets.
These will save you some money and lots of hassles.
It is not very easy to wriggle out of your role as a guarantor in case the original borrower defaults. Nevertheless, you can still come out of the situation with your credit record intact.
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