Credit Score Guide
How to Build Credit in India With No Credit History
No credit history or an NH score? What it means, safer first steps such as FD-backed cards, what add-on cards won't do, and loan traps to avoid.
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How CIBIL and other credit scores work, and how to improve yours.
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Credit Score Guide
Credit Utilisation Ratio: How to Calculate It and Keep It Low
Credit utilisation is the share of your card limit you use. Learn the formula, why 30% is only a rule of thumb, and practical ways to lower it without new debt.
Credit Score Guide
How to Fix Errors in Your Credit Report: Disputes, Timelines and Compensation
Found a wrong loan or late mark on your credit report? How to dispute it, who must act by when, the ₹100-a-day rule and how to reach the RBI Ombudsman.
Credit Score Guide
How Long Does It Take to Improve a Credit Score in India?
There is no fixed timetable for improving a credit score. See why some changes may show quickly, why late payments linger, and what you can do each month.
Credit Score Guide
Hard vs Soft Enquiries: What Actually Affects Your Credit Score
Soft enquiries don't touch your score, but hard enquiries can. How to tell them apart, spot unauthorised checks and space out your credit applications.
Credit Score Guide
How to Check Your Credit Score for Free in India
How to get your free full credit report and score from each of India's four credit bureaus, what to look for inside it, and how to avoid paid add-ons and scams.
Credit Score Guide
Credit Score in India Explained: What Affects Your CIBIL Score and How to Improve It
How credit scores work in India, the four credit bureaus, what counts as a good score, the factors that move it, and how to fix errors in your report.
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