5 Steps to Protect Yourself from Online Frauds
Credit Sudhaar Blog
by Team Credit Sudhaar
5y ago
Online frauds are more common than you think. This is because we have become too dependent on the Internet and reveal personal information on social media, mobile apps, etc. without thinking twice. However, protection is also easy if you are careful with your online activities and stay vigilant at all times. The following the 5 steps you can take to prevent becoming a victim of online frauds: 1. Look for Phishing Emails One of the most common forms of online frauds today is a phishing email. In this, someone pretends to be a representative of a bank or government institution and creates a fake ..read more
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Daily Activity to Develop and Increase CIBIL Score
Credit Sudhaar Blog
by Team Credit Sudhaar
5y ago
Whether you need a personal loan or home loan, want to increase the limit on your credit card or get another card, you need a good CIBIL score to succeed. However, if yours isn’t up to the mark, then increase it isn’t as challenging either. This is because you don’t have to take drastic measures to get a 750+ score. All you have to do is make a few simple changes in your daily routine. Some of these are as follows: 1. Credit Card Usage If you have the habit of using credit cards for every small and big purchase, then you can control your dependence on them to give your credit score a boost. Th ..read more
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What is the important Tips For Maintaining your cibil score.
Credit Sudhaar Blog
by Team Credit Sudhaar
5y ago
We take a lot of resolutions in life. Some resolutions are easy while some are hard. For instance, let’s take your health for an example, you make a resolution to workout and maintain a good diet throughout. In some cases, many succeed but in many cases people fail miserably. What important here is not to start your health course and diet, but is to maintain the same. Same goes with credit scores. As credit score can be compared to your health from the above case. In the case of cibil score you will have to be up to the mark or else you may fail. Like just any other health routine, you need to ..read more
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What are the important secrets of the CIBIL score?
Credit Sudhaar Blog
by Team Credit Sudhaar
5y ago
The credit score plays a significant role in your financial life, which makes it an important parameter that you can’t afford to ignore. It will determine the rate of interest that you will pay for a loan or credit card. Even more importantly, it will be to a great extent the deciding factor whether your loan will even get approved to begin with. In this article, you’ll get insights into what the CIBIL score is all about and the secret to building and maintaining this all-important numerical. About the CIBIL score The CIBIL score, or credit score is a three-digit representation, between 600 an ..read more
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What are the Important Secrets of a Credit Report?
Credit Sudhaar Blog
by Team Credit Sudhaar
5y ago
If you want a safe and secure financial life, then it’s really important that you check your credit report from time to time. It’s one of the most important documents that you need to keep an eye on and prevent from harm. Your credit report is accessed by lenders and NBFCs with whom you wish to take a loan. It provides them all the information they need viz. your personal details, debt repayment history, debt to income ratio, etc. If you want, you can check your report yourself by visiting CIBIL’s website and filling out a short form. The following are some of the key details that you should c ..read more
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How much time does it take to get a 750 credit score?
Credit Sudhaar Blog
by Team Credit Sudhaar
5y ago
To determine how long it will take to get your credit score up to 750 all depends on what the score is to begin with. If it is low because you haven’t availed of credit before, it may be a matter of just a few months before the score rises. On the other hand, improving your credit score is a process that takes time and cannot be done overnight if it is owing to a less-than-perfect credit history so far. If you’re looking for a quick fix by which the score will improve, there is unfortunately no easy answer. The prudent way to go about this, is to firstly identify the reason for a low score an ..read more
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Important Factors on Which Home Loan Interest Rates Are Based
Credit Sudhaar Blog
by Team Credit Sudhaar
5y ago
Most people take home loans when they wish to get a place of their own. This is because real estate can be quite expensive, especially in metro cities like Mumbai, New Delhi, Pune, etc. However, the problem is not qualifying for the loan but rather the debt that you have to clear once you sign on the dotted line. In a typical loan, it’s the interest rate that matters the most. This is because the principal amount remains the same throughout the tenure, but the interest rate may change (if it’s a floating interest rate) and even increase the EMIs. If you want a good home loan interest rate, the ..read more
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Things to Check Before Applying for Personal Loan Online
Credit Sudhaar Blog
by Team Credit Sudhaar
5y ago
People take loans for various reasons viz. marriages, medical expenses, foreign trips, higher education, etc. However, the problem is that traditional lenders don’t sanction personal loans as easily as you would want. They take the credit history of an applicant quite seriously and rarely take any chances. What it means is that if your credit score isn’t high enough, then you may not get a loan at all. This is why online loans have become quite popular. Today, the fintech industry is thriving and offering flexible financial solutions to people across India. However, if you are going to apply f ..read more
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5 Advice To Get The Best Personal Loan Rate
Credit Sudhaar Blog
by Team Credit Sudhaar
5y ago
If you are planning to take a personal loan to bridge the gap in monetary need for a house, or to meet certain other expense like a marriage, education or on account of some exigency, you must take the following factors into account since these are the ones that will help you obtain loan from the banks at the best possible rates. We Indians, in any case are quiet sensitive to the costs and rightfully wish to have the best value product. Improve your credit score Your credit score is one of the vital factors that impact the cost of loan. Especially the personal loan, since it is unsecured and t ..read more
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Why you should stop right now, if overspending on your Credit Cards
Credit Sudhaar Blog
by Team Credit Sudhaar
5y ago
If you were to ask anyone with old school of thought, he would only ask you to refrain from overspending. For ages, the Indians have been prudent in both their borrowing and spending. While on one hand borrowing was to be avoided under all circumstances, the spending was to be curtailed by all means. Even today’s financial pundits would vouch for these two important parameters and you can find various recommendations on how following these two facets could lead to financial freedom. However, with the advent to easy credit, both timeless practices have taken a toll. Credit cards while on one h ..read more
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