Introduction If you’ve ever tried getting a loan for low CIBIL score (below 650) and felt like hitting a wall, you’re not alone. Many people feel stuck, as many traditional banks view a low credit score as a sign of…
In India, the classic credit assessment based on historical borrowing data has not only remained for a long time but also continued to limit the number of persons who could otherwise be considered for the loan. The increase in digital…
A CIBIL score is a three-digit number ranging from 300 to 900 that reflects an individual’s creditworthiness based on past borrowing and repayment behaviour. Banks and financial institutions use this score to assess loan approvals, credit card eligibility, interest rates,…
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…