So guys I know most of you would always be conscious of the CIBIL score (is your detailed credit history and full evidence of your credit worthiness) every moment you think of taking a loan and every time you are about to default on any payment. Yes the report from Credit Information Bureau (India) Limited (CIBIL) is always a benchmark for availing any sort of financial assistance from any bank in India. This report scores to individuals base on there prior history of re-payments and other financial information regards to existing loans currently under you account/name.
A bad score on CIBIL report would reduce or truncate your chances of obtain any financial assistance (care, home, personal loans...) but also your application for various money instruments such as credit cards would also get denied (Although I strictly oppose availing credit cards as it the source of the debt disease!)
Bad scores prevail even after you have paid-off your debt. I found this site www.creditmantri.com which offered to help improve credit scores and thus have healthy financial record on CIBIL reports thus you can avail benefits such as loans and other things. They provide three levels of assistance based on your comfort zone you can go for any those plans. I would suggest the Standard plan which would provide you a taste of the Premium & Basic plans.
They do provide quality service and providing with good score re-building options and personal counseling so that you do not go into the financial mess again at the cost of good CIBIL score.
You can always request for a CIBIL report at the below link for yourself to know you current CIBIL score. It costs Rs.470 and the report would be delivered to you doorstep in courier.
https://www.cibil.com/online/credit-score-check.do
From CIBIL
If you were not aware of CIBIL scores I hope this article helped you. So next time before you apply for a Home Loan, Car Loan, Personal Loan or a Credit Card, check your Credit Score.
A bad score on CIBIL report would reduce or truncate your chances of obtain any financial assistance (care, home, personal loans...) but also your application for various money instruments such as credit cards would also get denied (Although I strictly oppose availing credit cards as it the source of the debt disease!)
Bad scores prevail even after you have paid-off your debt. I found this site www.creditmantri.com which offered to help improve credit scores and thus have healthy financial record on CIBIL reports thus you can avail benefits such as loans and other things. They provide three levels of assistance based on your comfort zone you can go for any those plans. I would suggest the Standard plan which would provide you a taste of the Premium & Basic plans.
They do provide quality service and providing with good score re-building options and personal counseling so that you do not go into the financial mess again at the cost of good CIBIL score.
You can always request for a CIBIL report at the below link for yourself to know you current CIBIL score. It costs Rs.470 and the report would be delivered to you doorstep in courier.
https://www.cibil.com/online/credit-score-check.do
From CIBIL
If you were not aware of CIBIL scores I hope this article helped you. So next time before you apply for a Home Loan, Car Loan, Personal Loan or a Credit Card, check your Credit Score.
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