Credit Score Blogs

This guide explains whether you can really check your CIBIL score online without a PAN card, which alternate IDs actually work and the exact steps to follow. You will need about 5-10 minutes and a working Aadhaar-linked mobile number to get started.  Your CIBIL score decides how easily banks and NBFCs approve your next loan or credit …

No, a 300 CIBIL score will not get you a loan from a traditional bank. But select digital NBFCs in India approve small loans based on income and repayment capacity, not just the credit score. This article covers exactly which options exist, three real borrower examples with numbers and a month-by-month plan to bring that score …

This article covers 7 practical alternatives for bad credit score situations in India, including NBFC loans, fintech lenders, secured loans, P2P lending and credit builder products. 3 real borrower examples illustrate how each option works in practice. Read time: approximately 6 minutes.  Getting a loan when your CIBIL score is below 650 feels frustrating. Banks decline applications, often without explanation. But a low …

This article explains SMA meaning in CIBIL, what Special Mention Accounts are, how the RBI’s 3-tier classification (SMA-0, SMA-1, SMA-2) works and what an SMA tag on your credit report means for your borrowing ability. Whether you’ve spotted it on your own report or are looking to understand SMA full form in banking, this guide covers everything and tells …

CMR full form in CIBIL is Credit Market Risk – a 1-to-10 ranking assigned by TransUnion CIBIL to businesses and MSMEs to assess creditworthiness. This article explains what each CMR rank means, how it’s calculated, how it differs from a personal CIBIL score and what steps you can take to improve it before applying for a business loan.  You’ve probably …

Your credit score is a 3-digit number (300–900 in India) that summarises your creditworthiness based on your borrowing and repayment history. It affects whether you get loans and credit cards, the interest rate you’re offered and even how much credit limit you receive. A score above 750 is generally considered excellent.    The Silent Gatekeeper of Your Financial Life  Imagine walking into a bank, confident enough that you’ll be approved …

If your 600 Credit Score is preventing you from getting better loan offers, many borrowers often wonder how to increase CIBIL score from 600 to 750 and qualify for better credit opportunities. The good news is that improving it to a range closer to 750 is definitely within your reach. The key to improving your credit score …

NA’ or ‘NH’ in a CIBIL report means that you do not have enough credit history for a credit score to be generated. In simple terms, it indicates that the credit bureau has no or insufficient data about your borrowing behaviour. If you’ve ever checked your credit report and noticed in CIBIL report or NH …

To update personal information on your credit report, you can either request your lender to submit updated details (for simple changes like address or contact info) or raise a dispute with the credit bureau (like CIBIL) for incorrect data. Submit valid documents such as PAN, Aadhaar or passport for verification.  Your credit report isn’t just about loans and repayments—it also includes your personal …

Yes, paying rent and utility bills can boost your credit score—but only if those payments are reported to credit bureaus. When consistently paid on time and tracked through reporting platforms or credit cards, they strengthen your payment history, which is a key factor in improving your credit score.  If you’ve ever wondered does paying bills build credit, the short …