Neha Menon

You’ve probably heard this warning from a friend or relative: “Don’t keep checking your CIBIL score — it’ll come down.” So you avoid your own credit report for months, even though you’re about to apply for a credit card or a personal loan. That fear is misplaced, and it’s costing you visibility into your own

You checked your CIBIL score expecting it to be stable — maybe even a little better since last time — and instead it dropped. Sometimes by a lot, sometimes for no reason you can immediately point to. If you’re about to apply for a personal loan or a new credit card, that drop feels worse

A 650 CIBIL score is not a disaster — but it puts you in a stressful middle zone. You’re not getting flat-out rejected everywhere, yet you’re not getting the best interest rates either. If you’ve been wondering how to increase CIBIL score from 650 to 750, the honest answer is that it takes consistent behaviour

If you’ve never taken a loan or owned a credit card, your CIBIL score is probably not low — it’s simply not there yet. This is one of the most common and most misunderstood problems for students, new employees, and homemakers in India. You check your CIBIL score, and instead of a number, you see

If you’ve avoided checking your own CIBIL score because you’re worried the check itself will pull it down, you’re not alone — this is one of the most common fears among first-time borrowers in India. The good news: checking your own CIBIL score does not reduce it. What actually matters is the type of inquiry

You checked your CIBIL score and it’s lower than last time — and you can’t immediately point to why. No missed EMI that you remember, no default, nothing dramatic. Just a number that’s dropped, and a loan or credit card application you were planning to make suddenly feels riskier. Why did my CIBIL score drop

You settled an old loan or credit card. The recovery calls stopped. You assumed the matter was closed — until you applied for a new loan and the lender hesitated over your credit report. Settled vs closed loan status looks like a small detail, but credit bureaus and lenders read them very differently. A “closed”

You logged in to check your credit report before applying for a home loan, and there it is — an old personal loan account marked “written-off.” Your stomach drops. Does this mean you still owe the money? Is the loan still active? Will this block every future application you make? A written off loan in

Before you apply for a personal loan or credit card, lenders will almost certainly pull your CIBIL score — the three-digit number that tells them how reliable you are as a borrower. The problem is, most people check their score only after a rejection, or worse, they enter their PAN and mobile number on a

Before you apply for a personal loan, home loan, or credit card, one question almost every Indian borrower asks is: is my CIBIL score good enough? It is a fair question — and the honest answer is more nuanced than most websites will tell you. Your CIBIL score, calculated by TransUnion CIBIL using repayment history