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Credit score is the most frequently used term in the financial industry. Maintaining a high Credit score helps to get quick loan approval. Because a high score, typically over 700, represents that you are financially stable, have a regular source of income, and have a history of on-time repayments.

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  • Reduce rates on your existing Loans.
  • Suggest Better Rewards Credit Cards.
  • Tips on Improving Credit Score.
  • CIBIL requires accurate details to ensure accuracy & security.
  • Make sure they match your banking records.
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How to improve Credit Report?

If that you have a low or helpless Credit Report, you can follow the below mentioned tips to improve it:

Make payments on schedule time period : Paying your due on time is a significant piece of your Credit Score. A late payment will bring down your Credit Score and can unfavorably affect it for quite a long while.

Get your Credit Reports Corrected: If you know that your Credit Report is low because of an wrong reporting by bank or the credit bureau, get it corrected by reaching them. Keep your eye on your Credit Report at regular interval to ensures that the tips are getting reflected in your report. Mistakes might be because of wrongly detailed installment conditions, misstated personal data and so forth.

Never apply for new credit card over and over again frequently : Applying for new credit account as often as possible can contrarily affect your Credit Report . This includes applying for loan, Mastercards and different types of credit. At the point when moneylenders see various applications inside a brief period, they think of you as eager for credit and your application may get rejected.

Get the correct blend of credit accounts : You should have the correct blend of credit accounts. If that you have just one type of credit account, your score might be lower. For instance : Secured loan like home loan or vehicle loan improve Credit rating as they construct long haul liking resources, while having a higher extent of unsecured loan like credit card debt, personal loan and so forth can contrarily affect your credit score.

Try to keep your balance low : Generally it is advised to utilize a credit card just for emergency purpose costs and pay off the balance quickly. Likewise, keep your debt underneath 35% of the complete accessible credit balance. If that your debt outperforms this cutoff, it adversely effect badly your Credit Report.

About Credit Score

Your credit score is 3 digit number that reflects your credit-worthiness, i.e. what is the likelihood of you repaying your debt. Banks and lenders use it to determine the risk they are taking by lending to you. A high score indicates low risk and increases your chances of getting loans and credit cards at a lower interest rate as compared to someone with a low score.

Very Poor

300 - 500

There is a high probability of your loan and credit card applications getting rejected. In case of approval, you are unlikely to get the lowest interest rate.


501 - 650

You will have a slightly higher chance of getting approved for loans and credit cards. However, the interest rates offered may be on the higher side


651 - 750

You are quite likely to get approved for financial products and a large number of lenders will consider offering you a loan or credit card.


751 - 850

You might get better than the average interest rate on your loans and most lenders will be willing to offer you loans basis your credit score.


851 - 900

With score categorised as excellent, you will get the best possible loan interest rate and top credit card offers from the lenders.

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