criteria like multiple credit enquiries within a short period, credit utilisation, should be removed altogether and focus should be shifted to 'repayment of credit' criteria, like 80% or more
@@lucifersgrin in us the multiple credit inquiry rule is opposite. You have to quickly apply for loans within a month. Their thought process is that customer is comparing interest rates of different banks this it's not credit hungry. In india it's assumed that multiple inquiry means banks have rejected the customer. Thus lowering credit score.
@@jrdillip no did not decrease by that much for me only got down by 2 points and got increased again after 60 days check with the point agency buddy maybe some issue is there
Dear Ma'm mai aapko galat samajh raha tha but aapne itne acche se samjha diya ki mai khud galat nikla 👍👍👍 you are very experienced in financial cibil management.
Credit utilisation 12% No inquiry past 12 Months No late payment फिर भी 3 महीने में 784 से 767 आ गया है पता नहीं ऐसा क्यों even my credit history is more than 4 years
1. Do transactions on all your cards on time to time basis, monthly once. 2. Do not repay before the bill generation date, unless you utilized more than 30%. 3. If you haven't took any new credit, just go and take it. For eg. You can try FD based cards, paylaters etc. Note: 787 is very good score one of my friend had 812 but still bank rejected his credit card application. So it depends on your credit history as well. Just increasing the score will not help.
Ma'am, Today I have activated my HDFC credit card but I want to use it first time in March 2025 although I have2lakh rupees loan from Axis bank which I am paying timely through EMI. Now my question is "Can not using of credit card decrease my credit score? "Pls reply...
Does credit usage is also reported to cibil. Like my limit is 5000 and then I spend 4500 and paid the amount after that again spend 1500 which is due at the time of bill generation. Here my credit utilisation is 30 % but my credit usage is 6000 which is greater than alloted limit. So does credit usage also show and impact on CIBIL or only shown credit utilisation.
My bank have resolved with CIBIL, but still needs to resolve in Experian, CRIF, Equifax. I have sent email to my bank, also reported to CIBIL agencies. It is not fixed since couple of months due to bank did not accept the correction asked by CIBIL agencies. What should I do now? Same bank said its ok in CIBIL but not for other CIBIL agencies, Its directly carelessness done by the bank.
Mam aapko video bahut hi accha lga Mera ek question h ki SBI ne mujhe btaya ki aapke cibil me 56000 ka lone liya h pr maine koe lone nhi liya h plz btaye ki mai kay kru
Can you clarify on Credit mix .... categories in it .... and if you have 5 credit card, is it considered as 1 product (credit card) or 5 different product. ....
I Have PNB car loan in which two late payments are reported which is the bank issue. I raised complaint from the CIBIL but nothing happened they closed the complaint saying that the bank denies my claim. Now what to do!
Mam ik bnde ki ghwahi bhr di 5 saal phle loan ke liye ab voh bhr nhi rha or uske chkr mai hmara cibil khrab ho geya hai usse sahi krne ke liye loan liya tha ab 730 ka score hai tho ab koi problem tho nhi hogi
Mam Cibil ac ko block kr sakte hai kya? yani koi bank hamara Cibil report hamari absent ya without permission chek ya assess na kr sake?please reply. Tnks🎉
Data in linked worksheet, and data in the video sheet differs in some table. Please rectify if possible. Ex-in 10th row and 'point' column.... U can check
I have paid my Credit Card Payment before my due date, but due to some third party issue. My payment was not credited to my Credit Card & refunded back to me after 7 days of the payment. which was 4th day post my due date. Bank has charged me Interest charges what should I do now.
If it happened first time then call customer care and explain what happened, write email if required with payment screenshot and ask for reversal. If they find that you're loyal customer and make timely payments they will refund. I took refund from sbi this way
Same issue same day emi example 5 july ko deducted hona hi but jis time deducted kiya morning time nhi ho paaya because sufficient balance tha lekin sip bhi deduction hua jisse loan emi deduct nhi ho paya but same day evening Tak paisa account me aa gaya aur Mera deduction hua same date me To emi timely count hoga na Same date me kbhi bhi emi payment ho to lien amount se payment ho jaye same date me hi Cibil affected nhi na hoga Cibil no affect na sbi bank loan
Axis bank sent me credit card even though i did not apply for it.. after delivery I cancelled the CC. And now i am unable to apply for any bank CC and my cibil is 713. Fyi - Axis bank CC was my first CC. Any idea how to get a CC now ?
Credit card ek bank ka bichaya hua jaal hai.. jisko use karoge to bhi fasega or nahi use karega to bhi fasega... So just ignore credit card don't take it 😢😢😢
My CIBIL Score never changed since its inception. its been more than 19 months now i have credit cards & active agriculture crop loan since 3 years , it shows 714 , every month same score. Even if i use 90% credit limit same score. Even if i use 5% credit limit - same score. It stays unchanged. Can you tell my why my credit score doesn't change at all ?
Reduce your loans bro use mostly credit card and less than 30% and repay on time it will increase your score and do not inquire multiple loan banks it will affect
My credit score (Experian)was 772 in jan 2020 but now it reduced to 622. I didn't any delay payment or default. Nothing wrong showing in credit report. Please help me how I can improve it.
Experian changed its calculation method. Most people see a deceased credit score. But it was 50-60 points decrease. You have more than 100 points decrease.
No answer for my query I've 9 credit cards, will this impact my credit score -vely?? Or this is good. I feel my credit score is down because of this, because other parameters are very fine in my credit portfolio
Madam, please please make a video on lowest conversion rate of bank. I received salary in usd every month. But my icici bank giving me the lowest rate for conversion than other bank. Where other bank giving 82.99 or 82.43, I am getting 81.52 at the same time. Please advice what to do
Maine IndusInd ka 1 lakh se purchase kar liya ab use amount ko EMI mein nahin banaa rahe hain aur 3 mahine se minimum amount ke naam per 7000 har mahine kat rahe hain
I am facing an issue like in my credit report there is showing multiple credit cards which are not taken by me with high utilisation which is leading to a decrease in my credit score. I spoke to my bank regarding this they are saying I don't have such credit cards with my account. What to do in this case?
mera 746m stuck ho gya 2yr se same .. mera 100% on-time payment total 305emi pay kiya jisme 20000rs korke bhi 5-6month pay kiya jise ye badhe to bhi koi change nehi ho raha
hello in credit mix report mai bol rha ki secured loan and unsecured mix kar ke hona chaiye mera 4 unsecured chal raha score is 777 how can i get secured loan and all
I had applied for Flipkart pay later in 2022 and I never used it. Now in 2024 they have shut the program. And it still shows an open accountof loan on my CIBIL report. Called flipkart they said they don’t have anything to do about it. What should I do because of that one open account I’m not able to get any other loan and I tried to correct it but still its showing on my report. What should I do mext?
Madam mera ek Question ye h ki jaise maine kuch micro loans liye the kredit bee, mpocket jaisi app se or jab ab one score se cibil report dekhi to usme credit utilisation 100% dikha rha h to ya hme loan bhi approved limi ka 30% lena chahiye
Hi, in this case yes (sort of) Apki credit history, income aur credit score mila kar aapki ek virtual credit limit set hoti hai, uska 30-40% usage is okay.
Behen mera experience aj tak yeh hai ki mera cibil score 830 hai present me pr lakh rp ka loan ni de rh muje koi bank kayi bar different bank me try kr chuka hu or aj tak koi bi chota loan liya uski payment kabi delay nahi hui to etni cibil ke bada kr ho bi kya jayega
My mothers Experian score was 885 suddenly without any cause it dropped to 853? Why haven't applied for new loan or card, utilisation is under 30, also no missed payments 😡
Mene abhi tak 3 loans liye he 5 lakh+ ka sabhi ko time se pay karke close kar diye hen phir bhi mera civil score 342 tak aa raha he Aisa kese ho sakta he?
What happens if I apply for a Credit Card and it is not issued to me because the pincode is not serviceable by the Credit Card issuer ? Will this effect my Credit Score Negatively?
Mera CS 800 around tha..ajj 733.. No late payment.. excellant .loan sanction hai...lakin paisa uth n raha haii...2 lak ka 9%mil raha tha...ab..35000 ..36%se dilha raha hai...
can u please help in this my dad card was hacked back in 2008 i think it was icici bank and my dad also done F.I.R on the spot but still that amount is showing in his credit score is there any think i can do to remove that from my dad credit score
Mam mene bank se personal loan liya tha uski emi bank se auto debit nai hui jab ki ac me kafi bal tha bank se puch to bola emi next month kat jayegi par emi nai katne se mera cibil kharab ho gaya
Maine ik baar personal loan liya tha 2007 mein , usko finally settled bhi kar diya tha uske receipts bhi hai mere paas ,but india bull ne mujhe no dues nahi diya tha or na mujhe uski importance ka pata tha lekin jab 2021 se maine cibil check karwaya to pata chala mere us settled case ki wajah se mera cibil down hai ab india bulls ne apna wah section bhi close kar diya hai or mujhe mera no dues bhi nahi mil paarha hai or mere cibil mein wah settled show ho rha hai please anyone help
Maine standard chartered se loan against credit card without blocking the limit se loan liya tha above the credits limit hai now mera credit score 25 point down ho gya Over credit utilization me ab ye show kr raha. Isko kaise sahi kre please suggest
My credit utilisation is less than 25% every month , but in March/April Experian score down by 36/52 points respectively, as it is showing that my credit utilisation is 77% . But according to cibil score utilisation is 25% which is correct. What do I do in this . Pls rply
Hritik kuch banks month ke last date pe report cibil ko bhejti hai...jaise kotak bank ...so aap try karo ki month 30/31st date ko aapka credit score 30% ke neche ho
Experian is wrong. I called them they said we have updated our scoring pattern that's why you may notice a fall but it will improve with in a nonth. Because my cibil is 743 and Experian is 622
I would say cibil transunion gives you the most accurate score than any other applications, and one thing is you know how much you have been using so match that with your report ....and you will get your amswer
Mera cibil score bahut down chala Gaya h... 687 Maine 1 P.L , 2 C.C aur ek Edu. Loan liya h.. jiska payment everytime ontime krta hu.. lakn mere cibil score mai 2 fake loans display ho rha h.. jiska document v check Kiya bank ja k jo mera nai tha... jiske liye maine bank mai ja k v complain Kiya mail k through but still above 6 months ho Gaya h koi update nai h.. So what should I do next please please bahut umeed se comment kr rha hu reply k liye..
Cibil score is like a girl's heart. Even a girl can't predict it
RBI should shut the limit utilization criteria. Why the hell it should affect my cibil if i can pay the amount on or before due date..
absolutely
criteria like multiple credit enquiries within a short period, credit utilisation, should be removed altogether and focus should be shifted to 'repayment of credit' criteria, like 80% or more
@@lucifersgrin in us the multiple credit inquiry rule is opposite. You have to quickly apply for loans within a month. Their thought process is that customer is comparing interest rates of different banks this it's not credit hungry. In india it's assumed that multiple inquiry means banks have rejected the customer. Thus lowering credit score.
Hav anyone noticed that using hdfc bank credit card decreases credit score?
Exactly I just applied HDFC Bank Credit card and My cibil got down by 10 points
I have increased my score by 30points using hdfc
@@jrdillipsame happened with me with sbi card. My cibil went down by 10 points and experia by 39 points
@@jrdillip no did not decrease by that much for me only got down by 2 points and got increased again after 60 days check with the point agency buddy maybe some issue is there
mine reduced by 60points man!!!!
मैडम जी आपके समझाने का अंदाज बहुत अच्छा है आपकी लैंग्वेज बहुत अच्छी लगतीहै मैडम आपअच्छी अच्छी जानकारी देते हो धन्यवाद❤🎉
Tension na le
Itni tarif karne ke bad bhi wo tuze reply me Dil ka smiley nahi bhejegi🤣🤣🤣🤣🤣🤣🤣
Dear Ma'm mai aapko galat samajh raha tha but aapne itne acche se samjha diya ki mai khud galat nikla
👍👍👍 you are very experienced in financial cibil management.
1/10 for your english , hahaha
Thanks madam, very useful information ℹ️
Welcome 😊🙌
So sweet well explained Mam ☺️
Credit utilisation 12%
No inquiry past 12 Months
No late payment
फिर भी 3 महीने में 784 से 767 आ गया है पता नहीं ऐसा क्यों
even my credit history is more than 4 years
Same issue mere sath hai pr mera 2 saal old hai history
@@rajwinder856 utilization 6% 1 saal me 2 enquiry no let payment 779 cibil se sedha 705 kar diya par mane vapas 815 karva liya
Thank you so much for this ❤
Welcome 😊🙌
My cibil score is locked to 787 since last 4 months, why is that happening?
1. Do transactions on all your cards on time to time basis, monthly once.
2. Do not repay before the bill generation date, unless you utilized more than 30%.
3. If you haven't took any new credit, just go and take it. For eg. You can try FD based cards, paylaters etc.
Note: 787 is very good score one of my friend had 812 but still bank rejected his credit card application. So it depends on your credit history as well. Just increasing the score will not help.
They are forcing you to take paid membership in the credit Buros.. same happened to me...
Ma'am, Today I have activated my HDFC credit card but I want to use it first time in March 2025 although I have2lakh rupees loan from Axis bank which I am paying timely through EMI. Now my question is "Can not using of credit card decrease my credit score? "Pls reply...
Does credit usage is also reported to cibil. Like my limit is 5000 and then I spend 4500 and paid the amount after that again spend 1500 which is due at the time of bill generation. Here my credit utilisation is 30 % but my credit usage is 6000 which is greater than alloted limit.
So does credit usage also show and impact on CIBIL or only shown credit utilisation.
Please reply to this @bekifaayati
Madam ap Ashish ke sath video bana kro vibe aur hasi dono perfect ati hai
5:20 credit utlization is each card or all together of all cards, my one card I used 50% but overall I am 0.9% utilization.
Same question i
Coincidentally I'm searching for such video, and you upload it, Thank you❤
Welcome 😊🙌
My bank have resolved with CIBIL, but still needs to resolve in Experian, CRIF, Equifax. I have sent email to my bank, also reported to CIBIL agencies. It is not fixed since couple of months due to bank did not accept the correction asked by CIBIL agencies. What should I do now? Same bank said its ok in CIBIL but not for other CIBIL agencies, Its directly carelessness done by the bank.
thank you, this video helped
verry veery knowladgeble thnaks didi🙏🙏
Sbi has tremendously increased interest rates on existing home loans. And account going irregular frequently. Please make videos how to solve this
By d way, you can continue with Life tak type series, it suits your personality. 👍
Mam aapko video bahut hi accha lga Mera ek question h ki SBI ne mujhe btaya ki aapke cibil me 56000 ka lone liya h pr maine koe lone nhi liya h plz btaye ki mai kay kru
Good afternoon ma'am.just a query I have made a late payment of 05 days post due date.will that be reflected in cibil
Yess, it will
@@bekifaayati thank u maam
Can you clarify on Credit mix .... categories in it .... and if you have 5 credit card, is it considered as 1 product (credit card) or 5 different product. ....
1 product
It's means 5 different products as personal loan , home loan , credit card,gold loan , carloan etc
Sb kuch follow krta hu lekin 3 mahine se score constant h 746 pr nah increase hora h nah decrease ....how to increase that??
Bhool jao aur bill pay karte raho on time and utilisation low rakho
Same yarr
Mera bhi ya hi hai
Nahi bruhh.....score 3 mahine Mai ek baar update hota hai......3 mahine 10 din 15 din ke baad check Karo show karega increase ya decrease hua hoga
@@ARYA-qk7uu one score app pr har mahine hota h bhai
I Have PNB car loan in which two late payments are reported which is the bank issue. I raised complaint from the CIBIL but nothing happened they closed the complaint saying that the bank denies my claim. Now what to do!
I think you can contact RBI Ombudsman
Same issue here, same bank same car loan . Now my cibil is reduced. Have you got any resolution?
Apko worksheet dena hi tha. To login option kyu rakha he..?
Dena he to de do direct jabar jasti login ya register kyu karva rahe honapke site me?
क्रेडिट स्कोर चेक करने पर 2-3 लोन दिखा रहा है जो की मैंने कभी लिया ही नहीं ..क्या करना चाहिए?
Same here
Is it a good thing to limit your credit card overall limit to 30%
My credit score is getting down for no reason
and its not easy to complain im cibil
Its easy to complain in cibil its difficult to complain CRIF highmark credit bureau
Mam ik bnde ki ghwahi bhr di 5 saal phle loan ke liye ab voh bhr nhi rha or uske chkr mai hmara cibil khrab ho geya hai usse sahi krne ke liye loan liya tha ab 730 ka score hai tho ab koi problem tho nhi hogi
Mam Cibil ac ko block kr sakte hai kya? yani koi bank hamara Cibil report hamari absent ya without permission chek ya assess na kr sake?please reply. Tnks🎉
Data in linked worksheet, and data in the video sheet differs in some table. Please rectify if possible. Ex-in 10th row and 'point' column.... U can check
By mistake I have closed my oldest credit card 😢😢😢 CIBIL dropped by 60 points😭😭😭😭😭 How can I improve again
I have paid my Credit Card Payment before my due date, but due to some third party issue. My payment was not credited to my Credit Card & refunded back to me after 7 days of the payment. which was 4th day post my due date. Bank has charged me Interest charges what should I do now.
If it happened first time then call customer care and explain what happened, write email if required with payment screenshot and ask for reversal. If they find that you're loyal customer and make timely payments they will refund. I took refund from sbi this way
@@Papa-Shango1right, refund mil jaata hai agar customer ne time se payment kiya hai or agar wo loyal customer hai to.
aaisi intelligent ladaki mere life me ajaye to mere jaise saphioPhile ki life bann jaye, aur finance me guide kre, to bhai sone pe suhaga😂 ,plz god
Same issue same day emi example 5 july ko deducted hona hi but jis time deducted kiya morning time nhi ho paaya because sufficient balance tha lekin sip bhi deduction hua jisse loan emi deduct nhi ho paya but same day evening Tak paisa account me aa gaya aur Mera deduction hua same date me
To emi timely count hoga na
Same date me kbhi bhi emi payment ho to lien amount se payment ho jaye same date me hi Cibil affected nhi na hoga
Cibil no affect na sbi bank loan
Axis bank sent me credit card even though i did not apply for it.. after delivery I cancelled the CC. And now i am unable to apply for any bank CC and my cibil is 713.
Fyi - Axis bank CC was my first CC.
Any idea how to get a CC now ?
Credit card ek bank ka bichaya hua jaal hai.. jisko use karoge to bhi fasega or nahi use karega to bhi fasega... So just ignore credit card don't take it 😢😢😢
Mera score 1 saal se 777-780 par atka hua hai isse aage nhi badh rha
My CIBIL Score never changed since its inception. its been more than 19 months now i have credit cards & active agriculture crop loan since 3 years , it shows 714 , every month same score. Even if i use 90% credit limit same score. Even if i use 5% credit limit - same score. It stays unchanged. Can you tell my why my credit score doesn't change at all ?
Reduce your loans bro use mostly credit card and less than 30% and repay on time it will increase your score and do not inquire multiple loan banks it will affect
Bank or credit card hamare sath bahut game khelte Hain
mam tumhari abaj bhut pyari hai ❤️❤️💯💯💯
My credit score (Experian)was 772 in jan 2020 but now it reduced to 622. I didn't any delay payment or default. Nothing wrong showing in credit report. Please help me how I can improve it.
You are closed 1st loan account and decresed your credit limit that's why it's happened and you started taking new loan account
Experian changed its calculation method. Most people see a deceased credit score. But it was 50-60 points decrease. You have more than 100 points decrease.
They have changed their algorithm to make it similar to CIBIL. Score drop is normal.
100/500 lekar score badha do bs baat khatam
Yaar kitni ossam hai ye ... video😅😂
In 7:18 min video u can skip first 3 min.
Mam Agar ham credit card ka bil pay Na kar paye To ham Bank se kaise 5 mahine ka time le sakte hain iske upar ek video banaaiye please❤
mam kya maximum credit card ko dalne se kya score fir bhi credit card kam hota hai
Mene Flipkart ka card 4 mahine pehle hi band kra diya tha fir CIBIL me activa dika raha he
No answer for my query
I've 9 credit cards, will this impact my credit score -vely??
Or this is good.
I feel my credit score is down because of this, because other parameters are very fine in my credit portfolio
Never close your old credit card and use it 30% of 3-4 cards and pay on time
@@Neorl07 can closing 2-3 new credit cards help me improve score?
Keeping old cards only?
My uses are around 2-5% max monthly
Madam, please please make a video on lowest conversion rate of bank.
I received salary in usd every month. But my icici bank giving me the lowest rate for conversion than other bank. Where other bank giving 82.99 or 82.43, I am getting 81.52 at the same time. Please advice what to do
We will try to cover this in our future videos.
check if it is usd to inr or inr to usd there is small marginal difference check properly your bank and also compare others buy and sell 😀
Which company?
I think you should go for dcb Bank
Aap bahut cute hai. Thanks for the information and sheet.
Maine IndusInd ka 1 lakh se purchase kar liya ab use amount ko EMI mein nahin banaa rahe hain aur 3 mahine se minimum amount ke naam per 7000 har mahine kat rahe hain
dusre cc se bill kar do aur usko emi me convert kar do. aur indusind band kar do
I am facing an issue like in my credit report there is showing multiple credit cards which are not taken by me with high utilisation which is leading to a decrease in my credit score. I spoke to my bank regarding this they are saying I don't have such credit cards with my account. What to do in this case?
mera 746m stuck ho gya 2yr se same .. mera 100% on-time payment total 305emi pay kiya jisme 20000rs korke bhi 5-6month pay kiya jise ye badhe to bhi koi change nehi ho raha
hello
in credit mix
report mai bol rha ki secured loan and unsecured mix kar ke hona chaiye mera 4 unsecured chal raha score is 777
how can i get secured loan and all
Is the highest point ie 900 achievable ma’am? Im on 830 on Cibil and 850ish on others right now. TIA
How that much score lol? Rent me
Mam my cibil score is 580 how to increase is up to 700
bill payments on time hota hai phir bhi cibil down hota hai ..why?
Avoid using more than 30% of your credit card limit
I had applied for Flipkart pay later in 2022 and I never used it. Now in 2024 they have shut the program. And it still shows an open accountof loan on my CIBIL report. Called flipkart they said they don’t have anything to do about it. What should I do because of that one open account I’m not able to get any other loan and I tried to correct it but still its showing on my report. What should I do mext?
Bro you need to contact idfc because it's the lending partner of Flipkart pay later even i contacted them and they closed it
Madam mera ek Question ye h ki jaise maine kuch micro loans liye the kredit bee, mpocket jaisi app se or jab ab one score se cibil report dekhi to usme credit utilisation 100% dikha rha h to ya hme loan bhi approved limi ka 30% lena chahiye
Hi, in this case yes (sort of) Apki credit history, income aur credit score mila kar aapki ek virtual credit limit set hoti hai, uska 30-40% usage is okay.
Very Good
Behen mera experience aj tak yeh hai ki mera cibil score 830 hai present me pr lakh rp ka loan ni de rh muje koi bank kayi bar different bank me try kr chuka hu or aj tak koi bi chota loan liya uski payment kabi delay nahi hui to etni cibil ke bada kr ho bi kya jayega
My mothers Experian score was 885 suddenly without any cause it dropped to 853? Why haven't applied for new loan or card, utilisation is under 30, also no missed payments 😡
Same happene to me bro.
@@niravchaudhari9916 yes bro other bureau score is ok but Experian suddenly dropped for no reason 🙂
885 impressive bro, how long it took her. M new to this credit stuff
@@suryasharma7308 Bro experian score is always higher than any bureau score that's why banks consider cibil score more, my mother's cibil is 771
Abhi toh Experian alag hi game khel Raha hai
890 se 750 ho rakha hai mera.
Mene abhi tak 3 loans liye he 5 lakh+ ka sabhi ko time se pay karke close kar diye hen phir bhi mera civil score 342 tak aa raha he Aisa kese ho sakta he?
Mam Maine 10 months tak due rakha fir payment kar diya score 500 tak chala gaya hai kaise manage karu
Awesome🎉
Thank you 😊🙌
How much improvement of credit score of 1 late payment ?
Mera cibil score 1200 hai😂😂😂😂
Sir ye wala bada loan bina ITR k mil sakta hai kya
Credit mix wala point galat hai credit mix ka matlab kitne secured or unsecured short term or long term loan hai ye hota hai
What happens if I apply for a Credit Card and it is not issued to me because the pincode is not serviceable by the Credit Card issuer ? Will this effect my Credit Score Negatively?
Agar pincode deliverable nahi hai to by India Post aapke pincode pe aa jayega.
Yes bro it will impact it comes as enquiry in your report always apply once in 3-4, months if it's getting rejected then it's your location problem
Difference between soft and hard pull
amazon pay later is a kind of loan only...
Amazon pay letter se lone chahiye
I just want to know, how can I complain for fix my credit score....???
Login to Cibil website, you’ll find option there
CUR pe ek brief video banao di with example 🙂
I saw In You All Videos, Your Speech Voice is low after Keeping Full Volume, So Please Constrainte While Making New Video
Mera CS 800 around tha..ajj 733..
No late payment.. excellant
.loan sanction hai...lakin paisa uth n raha haii...2 lak ka 9%mil raha tha...ab..35000 ..36%se dilha raha hai...
Which credit score is more weightage? Cibil or Experian or CRIF ? I have 800 cibil, 766 experian and 668 CRIF. Which one to believe
Cibil
can u please help in this my dad card was hacked back in 2008 i think it was icici bank and my dad also done F.I.R on the spot but still that amount is showing in his credit score is there any think i can do to remove that from my dad credit score
I like you're voice dear
Overdive amount nai bhar paa raha hun
Baaki emi main har mahine bharta hun fir bhi notice maar rahi hai bank kya karo
Madem mere dadaji 80 k hain last 25 years se bank product se jude hain
Mam mene bank se personal loan liya tha uski emi bank se auto debit nai hui jab ki ac me kafi bal tha bank se puch to bola emi next month kat jayegi par emi nai katne se mera cibil kharab ho gaya
For crossing a 799 score, cbil shows you should have collateral loan completed. Isn't it correct ?
My score is 832, I was never asked for collateral. Just Amazon credit.
Maine ik baar personal loan liya tha 2007 mein , usko finally settled bhi kar diya tha uske receipts bhi hai mere paas ,but india bull ne mujhe no dues nahi diya tha or na mujhe uski importance ka pata tha lekin jab 2021 se maine cibil check karwaya to pata chala mere us settled case ki wajah se mera cibil down hai ab india bulls ne apna wah section bhi close kar diya hai or mujhe mera no dues bhi nahi mil paarha hai or mere cibil mein wah settled show ho rha hai please anyone help
Mene kbhi bhi loan nhi liya to mera cibil score show hi nhi kr kra he
Inconsistent address showing my cibil iska kya matlab ise Kaise sudhare
Maine standard chartered se loan against credit card without blocking the limit se loan liya tha above the credits limit hai now mera credit score 25 point down ho gya
Over credit utilization me ab ye show kr raha.
Isko kaise sahi kre please suggest
734 hai ab isa increase kisa Karu 800 Tak lakar jana hai
My credit utilisation is less than 25% every month , but in March/April Experian score down by 36/52 points respectively, as it is showing that my credit utilisation is 77% . But according to cibil score utilisation is 25% which is correct. What do I do in this . Pls rply
write a mail to bank and tell them to fix it
Hritik kuch banks month ke last date pe report cibil ko bhejti hai...jaise kotak bank ...so aap try karo ki month 30/31st date ko aapka credit score 30% ke neche ho
@@anuragdwivedi1073 I never used my limits more than 25% ever
Experian is wrong. I called them they said we have updated our scoring pattern that's why you may notice a fall but it will improve with in a nonth. Because my cibil is 743 and Experian is 622
I would say cibil transunion gives you the most accurate score than any other applications, and one thing is you know how much you have been using so match that with your report ....and you will get your amswer
In credit mix u miss the point secured n unsecured loan
Hii di mujhe kisi ne apna nominee me add kiya hua hai or unka emi due ja rha hai or mujhe call aate hain main inn chizo se kaise bahar niklun
Cibil depends on lots of factors but if some one is windful defaulter then his cibil will never get 800+ Score
Mere cibil s 751
Our Experian score 777 hai mere exprian s last month kam. Ho. Gya mer 795 tha pata nai ku kam. Ho gya
mem link pr click krne ke bad login kiya but usme attachment permision mang rhahe open nhi ho rha.........
Kya koi bhi loan foreclose karne se cibil score badta hai??
Please reply..
Nahi bhai. Score ghatata hai. Foreclosure kabhi mat karna.
Mai saare bills time pe pay kar rahi hu aur credit utilization bhi 30% ke bhi neeche hai but still mera cibil low ho raha hai
Mera cibil score bahut down chala Gaya h... 687 Maine 1 P.L , 2 C.C aur ek Edu. Loan liya h.. jiska payment everytime ontime krta hu.. lakn mere cibil score mai 2 fake loans display ho rha h.. jiska document v check Kiya bank ja k jo mera nai tha... jiske liye maine bank mai ja k v complain Kiya mail k through but still above 6 months ho Gaya h koi update nai h.. So what should I do next please please bahut umeed se comment kr rha hu reply k liye..
RBI ko ek report maro
Mera civil ek hi bar mai 30 point kam ho gya hai mem isko thik kaise karen