credit score

Dear technofino Admin, i saw some old members post and they were crazy experienced and engaging but due to some reason there last seen is of more than 6 months ago. I request you to send them e mail and ask howz life going and why are inactive since long time. What's OG's doing ?

I check my Experian and CIBIL credit score on a monthly basis and I've found that for some reason my Experian credit score is way too low, it's 573 whereas CIBIL credit score is 780. Because of this reason, my application for Federal Bank Celestia CC was rejected due to very low Experian credit...

A credit score is a 3-digit number that predicts how likely someone is to repay their debts on time. It’s calculated using a mathematical formula that analyzes a person’s credit history, which includes information such as repayment history, total credit balance, number of loans and credit cards...

I have recently taken a home loan on which the uco bank has reported my cibil checking charges payment to be overdue of 1 day. This made my cibil score decrease by 24 points( 784 to 758). I did not received any sms or email from the bank or the Branch manager that it is overdue but now when i...

When I trying to get a Rupay UPI Credit Card, i wanted to explore Kiwi and it is but obvious they will need my PAN card and check my credit score, but whats making me curious that they mention it will not affect my credit score? It is another enquiry on my cibil right?

I have complaint against a loan company with RBI ombudsman for wrong reporting to credit information company. Also demanded compensation because even after multiple correction they again reported incorrect and this all is going for last one year. Loan company has once again corrected my credit...

If I use 80% of credit card limit and convert it to EMI will it affect my credit score?

I made a purchase of 73k as a 24 months EMI using my credit card which has an 100k Limit. Now the EMI's per month will be approx 3.6k which is less than 30% of my credit limit but the total credit blocked from card is 73k which is roughly 73% od my credit limit. Will it impact my credit score?

I am a student recently I got my 1st bill of my FD credit card how many more bills I needed to get 750 plus credit score.

Recently my AMEX, SBI and HSBC application were rejected due to infamous "internal policy" reason, after filing a complaint to RBI ombudsman it turns out that I was overleveraged even though my existing credit mix <4 Lakh so I checked my CIBIL profile and it turns out Indian Bank has reported my...

Hey everyone, I could really use your advice on a small credit card dilemma I’m having. Earlier this year, I went on a bit of a spree and got a few credit cards with the intention of using them regularly. But...well, you know how it goes—I've ended up using them very sparingly. Here's what I...

Can I prepay my Credit Card EMIs without foreclosing the entire amount, and will the bank recalculate and reduce my EMI amount? Just for an example If I've already paid 10 out of 36 EMIs and wanted to prepay 20 more...but want to keep the remaining 6 EMIs open. will the bank recalculate the...

I'm utilizing ChatGPT as a cost-effective alternative to credit bureau simulators / predictors. I share my credit report with ChatGPT and pose hypothetical scenarios to predict potential credit score changes. Has anyone else adopted this approach? If so, how accurate have you found ChatGPT's...

I am new to this community. Today, I got my first Credit card. HDFC bank offered me two pre-approved credit cards: Millennia LTF and IndianOil LTF Applied for Millennia LTF. Approved instantly with limit Rs. 1,02,000 My profile: Age: 22years No income, Preparing for competitive exams. No...

https://www.livemint.com/money/personal-finance/rbis-new-credit-reporting-rules-what-they-mean-for-your-spending-limit-and-credit-score-11723962088561.html Now seems bank needs to update credit score daily to cibil or experian

I dont have a cibil score yet, So I applied for Lazypay and got 3k as credit limit. I'm wondering if I keep paying through it and instantly pay the outstanding in advance, will it help me build a cibil or not? If not what should I do to generate the cibil? As I don't want to miss any payments...

https://www.livemint.com/money/credit-score-dating-relationships-finances-credit-history-debt-marriage-financial-stability-love-companionship-11723982907257.html Soon enough, people will start putting up their credit scores in their dating and matrimony profile in india 😅

Hi guyss... My friend is currently looking for a FD based credit card to start his credit card Journey He only want cards which can be availed with 5k FD So, pls suggest a good card for him, He's a student and going to UK any kind of forex benefits may be helpful Currently kotak cannot issue...

i took a hdfc card a many years ago n forgot about paying some small amount now it was not visible in cibil report for 14 years but now it is showing since feb 2024 i need to pay 2 lacs to hdfc i want to apply for add on card from my brother for lounge access will there be issue to apply for...

Will a home loan impact the credit score?