Loan Advice & Structuring
Loan Advisory Services
It is a composite score on a scale of 300-900 and is calculated by CIBIL based upon multiple factors. The important factors that determine this are given below:
Depending Cibil Records :
Past Payment Track Record
Repayment track record of all your past debts
Consistent track record of meeting payments on time drives a higher score
Delayed payments lead to a lower score
More recent the delays, more the negative impact
Past Defaults, Settlements, Write-offs
We provide the following services:
What are the reasons for a low CIBIL score?
Wrong credit info provided by banks
Record not updated even after customer has paid
Lenders classifying a/c as “settled with loss” while actually the dues were disputed
Lenders showing amount as “overdue” even when the demand is contested by the customer
Low CIBIL credit score due to past behavior of borrower
Write offs reported, particularly in last 2-3 years on unsecured loans and credit cards
Outstanding credit card dues
Delay in payment of EMI’s on home loan, loan against property, personal loan, consumer loan, gold loan or any other loans
Too many loans already availed
High credit availed on credit cards
Too many loan applications made in the recent past
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