Your credit score plays a crucial role in your financial health, influencing your ability to get loans, credit cards, and better interest rates. This category focuses on everything related to credit scores—how they’re calculated, how to check them, ways to improve and maintain a healthy score, and how they affect your financial decisions. Whether you’re building your score from scratch or recovering from a drop, this is the place to ask questions, share tips, and stay informed.
1. What is CIBIL and Why Credit Score Matters
- What is a credit score?
- What is a CIBIL score?
- CIBIL : Importance & How to Improve
- Credit Score VS CIBIL Score
- Is CIBIL the Only Credit Score That Matters in India? What About CRIF?
- What is the difference between CIBIL, Experian, Equifax, and CRIF?
- Which banks rely most on CIBIL vs other bureaus?
- What score is considered excellent in India?
- Does salary or income affect credit score?
2. Understanding Your Credit Report
- How to read CIBIL report?
- How to check your CIBIL?
- CIBIL Premium Subscription : Should I buy & Is it worth it?
- CIBIL score not necessary for the first-time borrowers from now onwards!
- How is credit score calculated step by step?
- What do DPD, suit-filed, and account status mean in a CIBIL report?
- Why is a closed loan still showing as active?
- How long does it take for loan repayment updates to show in CIBIL?
- How can I remove settled or written-off accounts?
- How to raise and track a CIBIL dispute?
- Can I correct wrong name or address in my report?
3. Checking and Monitoring Your Credit Score
- How to check credit score for free?
- How to check my credit score for free on CRED?
- Which app is best to check your credit score?
- Does checking my own credit score lower it?
- How often is credit score updated?
- What is the difference between soft and hard inquiries?
- Does checking your credit report too often affect score?
- Can too many loan applications hurt your score?
- How many times a month can you check your CIBIL safely?
4. What Affects Your Credit Score
- What is credit mix and why it matters?
- Credit Utilization Ratio and its impact?
- What is credit inquiry in credit report?
- Credit Score range
- What is a good credit score in India?
- Does paying EMIs early improve credit score?
- What happens if I pay only the minimum due?
- Is having too many credit cards bad for score?
- Does closing old accounts lower score?
- How long does a default stay on report?
- Does one EMI bounce affect credit score?
5. Improving Your Credit Score
- Ways to improve your credit score fast in India
- Why did my credit score dropped suddenly?
- Why credit score different across bureaus?
- Does closing credit card hurt score?
- Closing Old Credit Accounts: Smart Move or CIBIL Score Disaster?
- Credit Score decreased after paying loan
- How to go from 600 to 750 fast?
- Does increasing your credit limit help?
- Should I take a small loan to build credit?
- Does pre-closing a loan help or hurt credit score?
- How long does it take to recover after a loan default?
- Can I rebuild score after settlement or write-off?
6. Common Credit Score Issues
- Why is my credit score not generating?
- Credit score not found, what to do?
- CIBIL score stuck at 0
- I take ₹8000 from Slice and pay back in full — credit score won’t improve
- Why did my score drop after full repayment?
- What does NA or NH mean in CIBIL?
- How to fix score if you’ve never taken credit before?
- Can two people’s data get mixed due to same name or PAN?
- Can old PAN or Aadhaar mismatch cause issues in credit report?
7. Loans and Credit Eligibility
- I have a credit score of 720. Can I get SBI car loan?
- I have a credit score of 740. IDBI home loan eligibility
- I have a credit score of 710. Bank of Baroda education loan
- I have a credit score of 730. HDFC Bank personal loan
- I have a credit score of 750. Bajaj Finserv business loan
- Can I get an education loan with 680 from Union Bank of India?
- How much does CIBIL affect interest rates?
- What is the lowest score banks accept for home loans?
- Do NBFCs lend to low CIBIL borrowers?
- Does a co-applicant’s score affect joint loan eligibility?
8. Credit Cards and CIBIL
- Minimum credit score for credit card approval in India
- CIBIL score required to apply for a student credit card
- Can I get credit card with no credit score?
- Why was my student credit card application rejected?
- What Is a Good Credit Score for Getting a Credit Card?
- Does increasing credit limit improve score?
- Should I close old unused cards?
- Does converting purchases to EMI hurt credit score?
- How to get first credit card with CIBIL 0 or -1?
- Are secured credit cards good for rebuilding score?
9. Fintech, BNPL and New-Age Credit
- Does using Paytm Postpaid or Slice affect credit score?
- Do BNPL services like Simpl or Lazypay report to CIBIL?
- Is CRED score the same as CIBIL score?
- Does paying rent through fintech apps improve CIBIL score?
- Does Buy Now Pay Later impact credit score?
- Can missing one BNPL payment ruin credit score?
- Do UPI-linked credit lines affect credit score?
- Which fintechs report to credit bureaus fastest?
10. Settlements, Defaults and Legal Aspects
- What does “settled” status mean in CIBIL report?
- Can I remove settled remark after full payment?
- How long does a default stay in CIBIL?
- Does RBI allow bureau deletion after 7 years?
- Can NBFC report to CIBIL without customer consent?
- How to rebuild credit after a write-off or bankruptcy?
- Can I file RBI complaint for wrong CIBIL reporting?
11. Lifestyle, Behaviour and Insights
- DIL CIBIL Waale Dulhaniya Le Jaayenge – How Credit Scores Are Now Deciding Marriages in India
- Does marriage affect credit score?
- Can your spouse’s bad credit affect your loan eligibility?
- Why do Indians ignore credit scores until loan rejection?
- Does switching jobs or relocation affect CIBIL score?
- Can you lock or freeze your CIBIL file from lenders?
12. Advanced and Expert-Level Topics
- What is CIBIL Rank vs CIBIL Score?
- Why does CIBIL update only once a month?
- Can pre-approved offers reduce score?
- Does a top-up loan impact credit score?
- How to build credit as a self-employed individual?
- Do business loans affect personal credit score?
- What are alternative credit scores used by fintechs?
- How to protect your credit data and privacy?