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Credit Score

AI Generated : Consistent financial discipline matters far more than achieving a perfect credit score number.

Personal Finance

Do You Really Need A 900 Credit Score To Get The Best Loan Deals?

BY Sanjeev Sinha

Freepik : SMA in credit report

What Is SMA In Credit Report And How It Can Impact Your Credit Score

BY Outlook Money

Generated by Gemini AI : Strong credit profiles are built through consistent behaviour, not through one-time actions. As 2026 unfolds, borrowers who follow a few basic practices consistently are more likely to see lasting results.

Financial Habits That Can Help You Stay On Track With Your Credit Score In 2026

BY Sanjeev Sinha

Generated by Gemini AI : Regularly reviewing credit reports helped spot errors, incorrect information, or fake accounts early.

Year Ender 2025: Financial Habits That Helped Indians Improve Their Credit Score in 2025

BY Sanjeev Sinha

Failed Auto-Debit Transactions

Failed Auto-Debit: How They Can Trigger Penalties And Impact Credit Score

BY Outlook Money

Generated by AI : Lenders generally do not classify an account as a default until three consecutive EMIs are unpaid.

Home Loan Default: Smart Steps to Regain Financial Stability

BY Sanjeev Sinha

RBI To Update Credit Scores Every 7 Days

RBI To Update Credit Scores Every 7 Days From April 2026

BY Outlook Money

Closed Your Personal Loan, But It Still Reflects As Active? Here’s What To Do

BY Sanjeev Sinha

AI Generated : M Nagaraju calls for lower MFI interest rates

M Nagaraju Urges Microfinance Institutions To Lower Interest Rates For Financial Inclusion

BY PTI

Freepik : Personal loans offer convenience but compared to secured loans, they also come with higher interest rates.

Thinking of a Personal Loan? Know the Pros and Cons First

BY Sanjeev Sinha

Image Generated by Gemini AI : Even after a successful loan closure, ensure that all loan details, including bank statements, NDC, and prepayment records, are in place for future use.

How To Close Your Home Loan Properly And Avoid Future Hassles

BY Sanjeev Sinha

Why Only Good Credit Score Isn’t Always Enough

Why Lenders May Still Reject Your Loan Even With A 750-Plus Cibil Score

BY Outlook Money

Freepik : An error doesn’t become a mistake if it is corrected in time. If you fail to catch the errors in your bureau report, it can land you in an unwanted mess.

Common Reasons Your Credit Score Could Be Inaccurate

BY Sanjeev Sinha

Personal Finance

5 Steps To Financially Prepare For Your Perfect Home

BY Sanjeev Sinha

AI Generated : Before you apply for an LAP, make sure you assess your repayment capacity and evaluate your financial position through cash inflow and outflow.

5 Smart Tips To Get A Loan Against Property Without Hassle

BY Sanjeev Sinha

AI Generated : If you want to apply for a loan amount higher than your individual eligibility, adding a co-applicant can significantly increase your borrowing capacity, enabling you to get a larger loan amount for a longer tenure at a lower interest rate.

Thinking Of Adding A Co-Applicant To Your Home Loan? Read This Before You Apply

BY Sanjeev Sinha

Generated By Gemini AI : A default in payment leads to a chain of problems which damages the entire relationship between the lender and the borrower.

Missed Three Home Loan EMIs? Here’s What Happens Next

BY Sanjeev Sinha

Freepik : Many banks and HFCs also consider the income sources of home loan applicants when setting their interest rate.

Top Factors That Influence Home Loan Interest Rates

BY Sanjeev Sinha

AI Generated : The home loan eligibility depends on credit worthiness of the individual.

Home Loans: Why Interest Rate Isn’t The Only Factor That Matters

BY Sanjeev Sinha

Freepik : The presence of a co-applicant or guarantor often boosts chances for people with low credit scores.

How To Get A Loan With A Low Credit Score

BY Outlook Money

Paying Credit Card Bills On Time? Your Credit Score Could Still Drop

Paying Credit Card Bills On Time? Your Credit Score Could Still Drop

BY Outlook Money

Structuring Multiple Loans And Lines Of Credit

Structuring Multiple Loans And Lines Of Credit

BY Outlook Money Guest Author

AI Generated

5 Credit Card Mistakes That Could Hurt Your Score

BY Outlook Money

AI Generated : A higher credit score based on timely payment history makes it easier for you to get a much bigger amount for a longer duration or can even open unsecured credit lines.

How Timely Home Loan Repayments Build Credit Strength and Financial Security

BY Sanjeev Sinha

Freepik : The gap between credit access and credit understanding is growing.

Curious Case of Credit Score Apathy Despite Rising Credit Access in India: Survey Exposes Big Gap

BY Sanjeev Sinha

AI Generated : A home loan application may get denied if the builder is not approved.

6 Unusual Factors That Could Derail Your Housing Loan Approval

BY Sanjeev Sinha

Credit Score

How Your Actions Impact Credit Score

BY Outlook Money Guest Author

Credit Hunger Can Lower Your Credit Score

4 Reasons Credit Hunger Can Lower Your Credit Score

BY Outlook Money

How to Spot Wrong Charges on Your Credit Card

How to Spot Wrong Charges on Your Credit Card

BY Outlook Money

AI Generated : Your credit report shows all your credit activity details, including how you managed your loans and credit cards.

How to Identify and Fix Errors in Your Credit Report

BY Sanjeev Sinha

AI Generated : Lenders prefer to give personal loans to applicants who maintain credit scores at 750 or higher because they view these applicants as responsible borrowers.

4 Smart Ways to Boost Your Personal Loan Eligibility

BY Sanjeev Sinha

AI Generated : The credit score evaluation process heavily depends on CUR as one of its fundamental components.

Credit Card: Why Credit Utilisation Matters And How To Keep It Under Control

BY Sanjeev Sinha

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