If variation is over 50 points, write to the bank and bureau immediately to correct the discrepancy
Middle class Indians have grown up with the belief that living on credit is essentially a bad thing. You are in trouble if you think the same, cautions Rajiv Raj
While you can always correct them, the sooner you do it the better it is for you, says Sanjay Kumar Singh
Sacrifice these common misconceptions to improve your credit score this Eid
More credit bureaus to ensure faster dispute resolution.
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.
Too much unsecured loan can harm your CIBIL rating.
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.
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.
Consumer loans or personal continue to record the highest fraud incidence.
Credit cards are no angel or devil. Spending habits and personal finance management make it what it appears to be. Let there be no illusion, think real, be wise.
If you do not overspend, we advise you to get yourself a credit card. It will open up a whole new world of benefits.
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
Here are some very important credit gyaan you wish you had got from your parents
Here's why it happens and how you should avoid it.
Read on to understand the pros and cons of higher credit limit
Before applying for a home loan, make sure you have not been delinquent in the past six months at least.
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.
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.
Here are 5 ways you can get a credit card even if you do not have a job.
The more you know about using a new credit card, the more you reap!
If used without much care credit cards can become debt traps. But there are ways to use them to your advantage, says Rajiv Raj
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 want to keep your CIBIL Score alive and kicking (healthy) make sure you steer clear from the above mentioned common credit score killers.
Credit cards are not inherently bad. If used responsibly, they can be a saviour in times of need.
Here's how to get out of this situation without hurting your CIBIL score.
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'.
Making purchases on your credit card can turn out to be a better idea. Here's why.
'If your loan application gets turned down by one bank, do not apply immediately to several others.' 'This makes you appear credit hungry and possibly in some form of financial distress.' 'Multiple enquiries affect your credit score adversely,' advises Mohan Jayaraman.
Though reward points should not be a primary concern while opting a credit card they do hold some monetary value. Be sure to redeem your points on time and make the best use of your card.
There may be huge discounts and easy EMI options on your favourite expensive smartphone, but do not swipe your credit card left, right and centre, warns Rajiv Raj
Warning: These tips are not for those who are already in a debt trap or struggling to meet expenses.
Just like our older generation, you should realise that a penny saved now would come in handy when you need a penny.
Do you know what is 'credit repair'? And how to go about it?
Getting married has no direct bearing on the credit score of either of the spouses. However it does impact the financial situation and may sometimes impact the credit score of any individual indirectly due to the action of the partner.
Here's how you can reward yourself for having a good CIBIL score.
Here are four ways to keep your credit score in the green
and three times when you should actually use them
