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Creditvidya.com is a personal finance tool that help you analyze all your credit and loans, including credit score and loan eligibility in one place; provides you with un-biased recommendations on various debt optimization strategies so that you can stay on the top of your credit, pay off your debt faster, save money on interest payments and live a richer life
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Managing your credit effectively will help you save money on your existing loans and/ or help you get any type of loan (auto loan, home loan or credit card) whenever you need it at the lowest rate of interest. Banks and other lending institutions assess your creditworthiness and borrowing power before sanctioning a loan to you. It is vitally important for you to have a Cibil Score greater than 750 as statistics show that 80 per cent of loan applications approved last year had a Cibil Score greater than 750. To have a financially fit life, one needs to give as much importance to managing credit aspect of finance as one gives to his assets and wealth!
Banks usually give indefinite and vague answers for denial of credit. However, there could be several specific reasons for rejection of your loan application. For your knowledge we list them down:
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Your account is activated as soon as you register with us. However, you will be able to access the full features of our online dashboard upon completion of on-boarding formalities – usually done within 24 hours of you signing up with us.
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Your total monthly EMIs to your monthly gross income is your debt to income ratio. Your debt to income ratio along with other key banking metrics determines your loan eligibility and some experts say that this number is equally as important as your Cibil credit score.
Not really, the calculated score range of this tool is just an estimate of your Credit Bureau Score. Please remember this score is an educated guess of your credit score and the credit bureaus scores in your credit report may or may not fall within Score Planner score range. Also, remember this score does not hold any ground to avail any type of loans from any banks or financial institutions.
This tool generates an estimated range of credit score based on the information you provide. Score Planner works on a unique algorithm developed internally by CreditVidya. The score estimate generated by this tool cannot be construed as a representation of the actual credit score or range of credit score provided by any Credit Information Company.
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A CIC collects information about an individual’s payments on loans and credit cards. This information is shared by the banks and other credit institution, on a monthly basis. This information is then used to generate your credit report, which includes your credit score. This score and your credit report is then looked by various institutions for evaluating your loan application.
Cibil is a repository of information that collects and maintains the data provided by your banks, where you have or had loans in the past. It has information about your past and present repayment history and the status of your loan accounts, personal information such as your identity information, employment history, contact information, etc. It also keeps track of all the enquiries that you have made for credit from various banks and financial institutions. Over 930 banks and lending institutions contribute data to Cibil and Cibil holds over information on 230 million consumer trades.
Your Cibil report is a detailed representation of all your loan (including credit cards) accounts which includes all your present and past account information, mainly representing your repayment behavior. It includes your identity information like pan card number, telephone number, email-id etc. Another component of your Cibil report is enquiries, which you make from various banks and institutions while applying for a loan.
You can get your CIBIL report online on CIBIL’s website by paying INR 470. Please refer our article on How to apply for your Cibil report? for step by step guidance. You can also get your report from your lender for INR 50.
Cibil Score is a numerical expression that predicts the likelihood of default of a person in the next 12 months. It is mainly influenced by your past repayment track record. This means, if you have made payments on time on all your loans on or before the due date, it is very likely that you have a good credit score, and hence banks look at you as a good customer.
A. No, pulling out your credit report does not affect your Cibil Score. This is classified as a soft enquiry and has no impact on your Cibil Score. However, when a bank pulls out your report to evaluate your loan application, it can damage your Cibil score by up to 8-10 points.
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We, at CreditVidya, believe in empowering you. Because we believe that knowledge is not only power but also gives you a sense of belonging. We believe in supporting the consumers by not being their crutch but as catalysts and enablers.
How to get your CIBIL credit score online ?
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