CIBIL a helpful tool to get better finance offers for Home Loan, Car Loan, Credit Card & other offers in India.


CIBIL (Credit Information Bureau India Limited) is a credit bureau that keeps a track of the credit and financial health of an individual based on the past pattern of credit usage and repayment behavior and offers this information to lenders (banks and financial institutions) for an understanding of the individuals financial stability.


This information in turn helps the lenders to decide whether or not to sanction a loan to the concerned individual.
*Above is a indicative graphic representation of the credit score. It ranges from 300 to 900 points. The higher your score, the more the chance of your loan application getting approved.
You can obtain a personal copy of your Credit Bureau Report or report a dispute by approaching Credit Information Bureau (India) Ltd through Email, Mail, Telephone or Fax.

For details, please visit the website www.cibil.com. Please note that CIBIL may charge a fee for this service.
Always make your credit payments on time.
Maintain a healthy mix of credit between different type of loans such as home loan, auto loan, credit cards, etc.
Always monitor your co-signed or joint accounts for any negligence.
Never exhaust your credit limit. It’s prudent not to use too much credit.
Don’t close your unused credit card accounts too soon as they imply your financial security.
Never apply for loans or credit in excess, so as not to seem  ‘credit hungry’.

Comments

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