Credit Score & CIBIL

If your CIBIL score shows as “not generated” or “NH” when you check it, you are not alone — and you have not done anything wrong. Millions of Indians in their early working years have never taken a loan or credit card, which means the credit bureaus simply have no repayment record to score. No […]

You buy a ₹40,000 phone on an EMI card, the merchant calls it a no-cost EMI, and you walk out thinking nothing will show up on your credit history. A few months later, a lender you are applying to pulls your CIBIL report and sees an active loan account. You had no idea it was

Someone close to you — a cousin, a colleague, a childhood friend — has asked you to sign as a guarantor for their loan. It feels like a small favour. You are not the one taking the money. You are not paying any EMI right now. So what is the risk? The honest answer: more

Most people say yes to becoming a co-applicant without thinking twice. It feels like a favour — your spouse needs a home loan, your sibling is applying for a personal loan, your child is going to college. You sign the form and move on. What many co-applicants find out later — sometimes years later —

You open your credit report and spot a list of “enquiries” you do not recognise. Or a friend warns you: “Do not check your CIBIL score too often — it will go down.” Or you compare loan offers on three different websites and suddenly worry whether each comparison created a mark on your report. These

You paid your EMI on time. You cleared that long-pending credit card bill. You even closed a personal loan and collected the No Objection Certificate. Then you checked your CIBIL report — and nothing has changed. The same old overdue amount, the same active status on a closed account, the same score staring back at

Your personal loan application just got rejected. Before you do anything else — before you open another loan app, before you send an inquiry to a second bank — take a breath. The first question that hits most borrowers is: does loan rejection affect CIBIL score? And right behind it comes the panic: Am I

You log into your CIBIL report expecting a routine check — and instead you see a long list of loan enquiries staring back at you. Two personal loan applications, one credit card inquiry, and maybe a couple of entries from lenders you barely remember approaching. Your score has dipped. A loan was rejected. Now you

You checked your CIBIL score and felt reasonably confident. Then you looked at your Experian score and found it 40 or 50 points lower. Now you are not sure which number your bank will actually look at — and whether the lower score will be the one that decides your loan or credit card application.

Ask a bank for a loan and they say “we’ll check your CIBIL score.” Open a fintech app and it shows your “credit score.” Search online and you find articles about your “Experian score” or “CRIF High Mark score.” If you are preparing to apply for your first personal loan or credit card, this pile