Credit History

One late payment won’t hurt, right? That is what many people think, until their credit score takes a dip. Your credit score is more sensitive than you would think, and even little mistakes can leave a long-term impact.   Let us understand about the most common mistakes that could mess up your credit.   10 Mistakes That […]

Credit derivatives are financial instruments that allow the investor to mitigate credit risk. They enable the transfer of credit risk from one party to another, without owning any underlying asset. The creditor can transfer the risk of the debtor to another third party.   For instance, Bank A lends ₹1 Crore to Company X but is […]

Need a personal loan but don’t have an Income Tax Return (ITR)? Don’t worry! Whether you’re a freelancer, on a break, running a small business, or don’t have a fixed salary, you can still secure a personal loan. Many lenders offer flexible, hassle-free loan options with quick approval processes.  Our guide will show you how […]

Ever wondered how lenders or creditors assess your financial stability? They perform a credit review. A credit review is more than just a snapshot of your credit score. It offers a detailed look into your financial history. This can impact your ability to secure loans, get insurance, or even land your dream job.    Whether you’re […]

Your credit health matters more than you might realise. It impacts everything from loan approvals to job opportunities and even insurance premiums. But how do you keep track of it? The answer is credit monitoring services! Credit monitoring services offer varied services that monitor all activities on your credit profile. Understanding and choosing the right […]

Ever wondered how lenders decide whether to approve your loan or credit card application? The answer often lies in a single word: tradelines. These entries on your credit report tell the story of your financial habits: how you borrow, spend, and repay.  By understanding how tradelines work, you gain the power to improve your credit […]

A ‘Written Off’ status on your CIBIL report makes it tough for an individual to secure loans or credit in the future.  But what does ‘written off’ really mean, and more importantly, is it possible to remove it from your credit report?   In this guide, we’ll break down what a ‘Written Off’ status is, its […]

A credit score is a key factor in determining your financial health. It impacts loan application, credit approval, rent and, even your job acceptance in some cases. So, what happens when you have a bad credit score? It is imperative to understand what factors contribute to a bad credit score and take measures to improve […]

What is a CRIF Credit Report? A CRIF (Centre for Research in International Finance) Credit Report is an overview report of your credit history. It is created by CRIF High Mark, a credit bureau in India. This report shows your financial behaviour which includes borrowing habits, loan and credit card details, repayment history. It also […]

What is Credit Repair?   Credit repair is the process of improving your credit history that may have been hampered due to varied financial reasons. This includes removing or disputing any errors or cases of identity theft.  Credit repair helps to improve your credit score by addressing all the factors that hamper it. You may hire […]

One of the important aspects of your personal finance journey is understanding credit scores and how they are calculated. Credit bureaus collect, maintain and determine the credit score of an individual based on their credit history and credit behaviour. It is thus imperative to understand credit bureaus and their impact on your finances.  This blog […]

Getting a 700-credit score depends on your current credit score and the measures you take to improve it. While it may seem challenging to build your credit score, it is possible to improve it by being financially disciplined. If you manage to maintain a high credit score, it gives you the option to avail a […]