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However, most small business owners know little about CIBIL score while some know nothing about it. A CIBIL score is an important requirement to avail a business loan. Also known as […]

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]]> Most lending institutions ask for the borrower’s CIBIL score before lending a business loan as it is cited as an important business loan requirement. However, most small business owners know little about CIBIL score while some know nothing about it.

A CIBIL score is an important requirement to avail a business loan. Also known as a credit score, the CIBIL score is a three-digit number which represents the creditworthiness of the borrower. It lies between 300 and 900 and represents all the financial transactions where the borrower has borrowed or repaid the money.

Why is a CIBIL Score important?

A credit score rating is said to be reflecting the borrower’s creditworthiness. When the borrower’s credit score is high, it shows that the borrower is responsible and have paid all his debts on time. A CIBIL score for loan approval is important as it showcases:

  • How risky or dependable you are as a business loan borrower.
  • If you have paid all your previous loans and debts on time.
  • How responsible are you with finances?

Thus, CIBIL score directly impacts your business loan taking ability. The business loan sanctioned by the lender or even the interest rate will depend on your CIBIL score— if the CIBIL score is low, it represents high risks and thus you will be charged higher interest rates.

The credit score allows the lending institution to judge the borrower’s potential to repay the loan. This is why the CIBIL score is an important business loan eligibility criterion. The minimum CIBIL score for the business loan is 750 and if your score is below it, there are higher chances that your business loan application form will be rejected.

What All CIBIL Score Report Contains?

The following are the details that the CIBIL score report contains:

  • Credit Summary: The CIBIL score contains the credit history of the borrower. The kind of loans and the amount the applicant has taken in past or is currently having. All the information is under different sections, such as credit cards, business loan instalment, etc.
  • Account History: This section in the credit score report contains the details of the borrower’s credit account. It contains all the information, be it the name of the borrower, account number, the date of account opening, the current balance, or even the reason why the borrower borrowed money.
  • Public Records: This section contains all the borrower’s current and previous financial slipups (financial mistakes). This section also includes information about bankruptcies or criminal arrests. It is important that the borrower pays special attention to this section and identifies the causes of these mistakes in order to ensure that no such mistakes are repeated in the future.
  • Credit Enquiries: Credit Enquiry is the section where the number of times third parties have accessed or enquired your credit report in the last 2 years is written. The lending institutions or financial companies have access to only a small section of your report and you can view all the credit enquiries. Noteworthy, these enquiries are the result of the borrower’s loan enquiries. Simply put, the credit enquiry by the lending institution was only made when the borrower had applied for a business loan. So, the number of enquiries made will show the number of times you applied for a loan.

Why do Lending Institutions Check your CIBIL score?

Since the CIBIL score represents the overall creditworthiness of the borrower, the lender checks the score for a variety of reasons:

  • To judge even if the borrower qualifies for a business loan or not
  • To measure the risk and if the borrower is capable of repaying a business loan
  • To decide the business loan amount and the rate of interest applicable
  • To check the borrower’s credit history and records

How to Increase CIBIL the Score?

After knowing what is CIBIL score and its importance, now comes the most important reason – how to increase the CIBIL score? The following are the ways by which you can improve your CIBIL score?

  1. Keep a Check on Your CIBIL Score Report: Keep an eye on the CIBIL score in order to ensure that no wrong information is entered in your report. In case there is any, you can get it corrected. Also, you can take a note of the reasons which are bringing your CIBIL score down and correct them.
  2. Make All Payments on Time: Making all payments on time is the most important point for a good CIBIL score. It is imperative that you make the payment of all the loans on time, at least 5 days before the due date. This would show that you are responsible and you do not wait for the last day to make payments.
  3. Hide Credit Hungry Behaviour: When you apply for multiple loans and credit cards and are always in debts, this shows your credit hungry behaviour. It is suggested that you should not have more than 2 loans at a time. Credit hungry behaviour is said to be the biggest hindrance to improving the CIBIL score.
  4. Do Not Apply for Loans Frequently: The number of times a lender pulls out your CIBIL score depicts the number of times you have applied for a loan. Applying for loans frequently can significantly bring your credit score down. This also shows your credit hungry behaviour. It is suggested to apply for loans in a time interval of at least 3 months.
  5. Maintain Credit Card Utilization Ratio: It is suggested that you do not utilize your credit card up to its entire limit but maintain 30-40 % ratio. Eating the entire limit will again depict our credit hungry behaviour leading to bringing your credit score down.

Now that you know everything about the CIBIL— what it is, why and how it affects your business loan taking capability, and how to improve it, you can work on increasing it and avail business loans at lower interest rates.

The post CIBIL Score – Everything You Need To Know About Credit Score appeared first on Edumovlive.

]]> https://edumovlive.com/cibil-score-everything-you-need-to-know-about-credit-score/feed/ 0 CIBIL Score – Everything You Need To Know About Credit Score https://edumovlive.com/cibil-score-everything-you-need-to-know-about-credit-score/ https://edumovlive.com/cibil-score-everything-you-need-to-know-about-credit-score/#respond Tue, 11 Sep 2018 11:57:47 +0000 https://edumovlive.com/?p=14515 Most lending institutions ask for the borrower’s CIBIL score before lending a business loan as it is cited as an important business loan requirement. However, most small business owners know little about CIBIL score while some know nothing about it. A CIBIL score is an important requirement to avail a business loan. Also known as […]

The post CIBIL Score – Everything You Need To Know About Credit Score appeared first on Edumovlive.

]]> Most lending institutions ask for the borrower’s CIBIL score before lending a business loan as it is cited as an important business loan requirement. However, most small business owners know little about CIBIL score while some know nothing about it.

A CIBIL score is an important requirement to avail a business loan. Also known as a credit score, the CIBIL score is a three-digit number which represents the creditworthiness of the borrower. It lies between 300 and 900 and represents all the financial transactions where the borrower has borrowed or repaid the money.

Why is a CIBIL Score important?

A credit score rating is said to be reflecting the borrower’s creditworthiness. When the borrower’s credit score is high, it shows that the borrower is responsible and have paid all his debts on time. A CIBIL score for loan approval is important as it showcases:

  • How risky or dependable you are as a business loan borrower.
  • If you have paid all your previous loans and debts on time.
  • How responsible are you with finances?

Thus, CIBIL score directly impacts your business loan taking ability. The business loan sanctioned by the lender or even the interest rate will depend on your CIBIL score— if the CIBIL score is low, it represents high risks and thus you will be charged higher interest rates.

The credit score allows the lending institution to judge the borrower’s potential to repay the loan. This is why the CIBIL score is an important business loan eligibility criterion. The minimum CIBIL score for the business loan is 750 and if your score is below it, there are higher chances that your business loan application form will be rejected.

What All CIBIL Score Report Contains?

The following are the details that the CIBIL score report contains:

  • Credit Summary: The CIBIL score contains the credit history of the borrower. The kind of loans and the amount the applicant has taken in past or is currently having. All the information is under different sections, such as credit cards, business loan instalment, etc.
  • Account History: This section in the credit score report contains the details of the borrower’s credit account. It contains all the information, be it the name of the borrower, account number, the date of account opening, the current balance, or even the reason why the borrower borrowed money.
  • Public Records: This section contains all the borrower’s current and previous financial slipups (financial mistakes). This section also includes information about bankruptcies or criminal arrests. It is important that the borrower pays special attention to this section and identifies the causes of these mistakes in order to ensure that no such mistakes are repeated in the future.
  • Credit Enquiries: Credit Enquiry is the section where the number of times third parties have accessed or enquired your credit report in the last 2 years is written. The lending institutions or financial companies have access to only a small section of your report and you can view all the credit enquiries. Noteworthy, these enquiries are the result of the borrower’s loan enquiries. Simply put, the credit enquiry by the lending institution was only made when the borrower had applied for a business loan. So, the number of enquiries made will show the number of times you applied for a loan.

Why do Lending Institutions Check your CIBIL score?

Since the CIBIL score represents the overall creditworthiness of the borrower, the lender checks the score for a variety of reasons:

  • To judge even if the borrower qualifies for a business loan or not
  • To measure the risk and if the borrower is capable of repaying a business loan
  • To decide the business loan amount and the rate of interest applicable
  • To check the borrower’s credit history and records

How to Increase CIBIL the Score?

After knowing what is CIBIL score and its importance, now comes the most important reason – how to increase the CIBIL score? The following are the ways by which you can improve your CIBIL score?

  1. Keep a Check on Your CIBIL Score Report: Keep an eye on the CIBIL score in order to ensure that no wrong information is entered in your report. In case there is any, you can get it corrected. Also, you can take a note of the reasons which are bringing your CIBIL score down and correct them.
  2. Make All Payments on Time: Making all payments on time is the most important point for a good CIBIL score. It is imperative that you make the payment of all the loans on time, at least 5 days before the due date. This would show that you are responsible and you do not wait for the last day to make payments.
  3. Hide Credit Hungry Behaviour: When you apply for multiple loans and credit cards and are always in debts, this shows your credit hungry behaviour. It is suggested that you should not have more than 2 loans at a time. Credit hungry behaviour is said to be the biggest hindrance to improving the CIBIL score.
  4. Do Not Apply for Loans Frequently: The number of times a lender pulls out your CIBIL score depicts the number of times you have applied for a loan. Applying for loans frequently can significantly bring your credit score down. This also shows your credit hungry behaviour. It is suggested to apply for loans in a time interval of at least 3 months.
  5. Maintain Credit Card Utilization Ratio: It is suggested that you do not utilize your credit card up to its entire limit but maintain 30-40 % ratio. Eating the entire limit will again depict our credit hungry behaviour leading to bringing your credit score down.

Now that you know everything about the CIBIL— what it is, why and how it affects your business loan taking capability, and how to improve it, you can work on increasing it and avail business loans at lower interest rates.

The post CIBIL Score – Everything You Need To Know About Credit Score appeared first on Edumovlive.

]]> https://edumovlive.com/cibil-score-everything-you-need-to-know-about-credit-score/feed/ 0 Neglect few Mistakes- Keep your Credit Score Clear https://edumovlive.com/how-to-keep-your-credit-score-clear/ https://edumovlive.com/how-to-keep-your-credit-score-clear/#respond Tue, 01 Aug 2017 19:04:54 +0000 https://edumovlive.com/?p=12831 Maintaining good financial health is what matters the most in a family. If you are seriously concerned about your financial goals, maintaining a good credit score is a must. If you are having a strong and clear credit score then the lenders will not think twice before granting you the loan. This score is a […]

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]]> Maintaining good financial health is what matters the most in a family. If you are seriously concerned about your financial goals, maintaining a good credit score is a must. If you are having a strong and clear credit score then the lenders will not think twice before granting you the loan. This score is a numerical representation of everybody credit performance, even minor mistakes in credit history can have continuing financial cost.

top 6 mistakes you should avaoid

Whether it is a landlord; insurance company or even employers these days check the credit reports.

Mind it! You must have a clear credit report.

Even if you apply for a home loan, your interest rates will soon be linked to your credit score. If you have a clear credit score then you will pay less EMI’s and vice- versa. Here you can take an example of the home loan in Tata Primanti a residential project from Tata Housing, starting from Rs. 2, 57, 00,000 Onwards. And your credit score is above 750 points then your home loan interest rate is quite affordable in comparison to other individuals.

Few important credit score factors:

Each factor has its own importance and one overcomes the other. But the most important out of all is the payment history and credit utilization.

  1. Payment history will be checked; every lender will show immense interest in checking that how reliable you can pay your bills, so they will check your payment history.

Your past actions somehow decide your future results.

If you have cleared all your bills on time, you will have a clean record and also on- time bill payment can make a positive impact on your credit score.

  1. In credit score calculations, credit utilization ratio is important. Your credit utilization rate is calculated by dividing your total credit card balances by your total available credit.

See if your ratio is less that 30% then there is a positive sign for you, otherwise sorry; you haven’t maintained your history well.

We all do these silly mistakes which harm us in future. Heed down to know what these few mistakes which you can really avoid are:

Missing repayments

It’s very normal that we forget to pay our bills on time and later we realize that now we have to even pay it with due charges. Many people consider that missing or late payments of EMIs dues do not cause much harm only if they are repaid afterward. On the other hand, as banks & other financial institutions ignore those people who have previously failed or missed any EMI’s or defaulters.

Make yourself little aware about the right time payment!

What to do: Make sure you pay before and on time. If you forget then set a reminder in your phone, this is only thing stick with you for 24 Hrs. You will automatically remember everything.

Having high credit consumption ratio

Credit departments employ your credit consumption ratio while calculating your credit score.  Credit consumption ration is the proportion of your credit card balances against the complete credit limit on hand on all your credit cards. As banks consider credit utilization ratio of over 30 – 40% as a sign of credit famishing, credit departments decrease your credit score on breaking this level frequently.

What to do: If you regularly use 30 – 40% of your credit limit, then ask your bank to raise your current credit limit or get an extra credit card. Pay your debt on time and avoid the large debt balances; in short I can say: decrease the ratio and increase the credit score.

Too many credit applications in a short span

It is very necessary to understand that how too many applications for new credit can affect your credit score. Keep in mind that your every application will be listed on your credit report. Every application will be considered as a hard inquiry and this can badly affect your score. Credit agencies consider too many applications within a limited time frame as an indication of credit hungriness.

If you have already applied for too many cards, your score will bounce back!

What to do: You can use online tools to calculate the loan rather directly concerning with banks. Marketplaces also ask for your credit statement to present you a range of credit products available, derived from credit score and other methods, these are measured as soft inquiries and do not decrease your credit score.

Selecting credit card or loan settlement

Banks often suggest one-time payment to borrowers having failed to pay for six back to back months. People are enticed to give a lump sum amount, generally higher than the principal amount, and rest of the outstanding amount is ignored.

On the other hand, bank report such settlements to the credit agencies, which after that register in your credit history and also affect your credit score. Because banks abstain from lending to individuals who are non-payers (defaulted) in their credit history, credit bureaus cut the credit score of such individuals.

What to do: First of all avoid such kind of situation; if not then make sure you get the certification of “no-dues” from the bank after lump sum payment. Ask your lender to change the status of that account as “closed” in place of “settled”.

Closing old credit accounts

Before cutting out the credit cards with a though that they will increase your credit score. So, give a pause!

You must know that closing your old credit account can further shrink your credit score also it cut total existing credit limit. This with raises your credit utilization share, in that way forcing agencies to cut your credit score. One more fact is that ending a secured loan may enhance the part of unsecured loans in your credit mix up. As bank like better borrowers with a big part of secured loans, amplification in the share of unsecured loans will lead to an extra drop of your credit score.

What to do: Make sure you augment your credit limit or obtain an extra credit card(s) before ending a credit card or credit account. In credit, give priority to settling unsecured ones before closing secured loans.

Not reviewing credit reports commonly

As a lender study your credit report to estimate your loan or credit card application. A minor mistake on the part of the lender or bureau might unfavorably affect your credit sanction in future. As of now, regular checking of your credit report is the only method to identify such mistakes.

What to do: Use financial marketplaces to find your free credit report online at least once in every 2 months. As much as best your credit score, the better is the opportunity of getting a good credit card or a loan at positive terms. Many mistakes mentioned above will reveal in your credit report for ever, and may unfavorably impact your future loan and your credit card applications.

Hence these all are some of the tips which you can apply to improve your credit score. A credit score is meant to predict how reliable you’ll be with borrowed money, so try to keep it clear. 

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