Credit reporting in 2026 is setting a new speed record. AI models that evaluate real-time behaviour, not merely past performance, increasingly dictate the loan approval process. A lone, unnoticed mistake, such as a late EMI update or an incorrectly stated…
In India, having a steady income, paying bills on time, and managing the money properly do not always lead to a loan being approved. Millions of people who are considered creditworthy are not given the loan just because they do…
In 2026, monitoring a credit score in India is simpler than ever, yet financial stress driven by incorrect credit perceptions remains widespread due to persistent credit score myths. A lot of borrowers keep suffering from loan rejection, high-interest rates, and…
Imagine walking into a bank with complete confidence. You know your loan will be approved. The loan officer reviews your application, smiles, and within minutes, your loan is sanctioned—at an interest rate lower than you expected. Now imagine the opposite…
Loan defaults are more common today than most people realise. With rising delinquencies in small-ticket loans, personal loans, and credit cards, thousands of borrowers are struggling to recover their financial credibility. A single default can feel overwhelming—your score drops instantly,…
Your Credit Utilization Ratio (CUR) is a key factor in your CIBIL score, measuring how much of your available credit you are using. Understanding and managing this percentage is crucial for your financial health, as a high ratio can lower…
A good CIBIL score is very important if you want to get loans or credit cards. It shows banks that you are trustworthy with money. A good score allows you to acquire better interest rates and speedier approvals. If you…
Credit score is a three-digit number that reflects your creditworthiness based on your past financial behavior. Lenders check this score before giving out personal loans. Your credit score plays a crucial role when applying for a personal loan, lenders use Credit score…
A good credit score isn’t just a number; it’s your ticket to better financial opportunities. Unlocking bigger loan limits can help your objectives, whether they include expanding your business, upgrading your vehicle, or purchasing a home. However, how is that…