Credit Score Kya Hota Hai? How to Improve Credit Score in India
Introduction
Aaj ke digital aur finance-driven yug mein, "credit score" ek aisa shabd hai jo aapne bank, loan ya credit card application ke waqt zarur suna hoga.
Par kya aap jaante hain ki yeh score asal mein hota kya hai? Kya yeh sirf ek number hai ya aapki financial credibility ka darpan? Agar aap loan lene ki soch rahe hain ya apne financial health ko sudharna chahte hain, to credit score ki samajh zaruri hai.
Iss blog mein hum jaanenge:
Credit Score kya hota hai?
Credit Score kaise calculate hota hai?
Aur sabse important, ise kaise sudhaarein?
Credit Score Kya Hota Hai?
Credit Score ek 3-digit ka number hota hai jo aapki financial history aur repayment behavior ko represent karta hai. India mein yeh score 300 se 900 ke beech hota hai, jahan 750+ score ko achha mana jata hai.Yeh score financial institutions jaise banks aur NBFCs ke liye ek tool hai jisse woh decide karte hain ki applicant kitna reliable hai loan ya credit card repayment ke liye.
Credit Score Banata Kaun Hai?
India mein kai credit bureaus hain jo aapki credit history ko analyze karke score banate hain. Sabse popular hain:
CIBIL (TransUnion CIBIL)
Equifax
Experian
CRIF High Mark
Har bureau ka score slightly alag ho sakta hai, kyunki inka algorithm thoda different hota hai.Credit Score Kaise Calculate Hota Hai?
Credit score kai factors par grounded hota hai Payment History( 35) – Kya aapne time par credit card bills ya loan EMIs chukaye hain? Credit Application( 30) – Aap apne available credit ka kitna hissa use karte hain? Length of Credit History( 15) – Aapke credit accounts kitne purane hain? Credit Mix( 10) – Aapne secured aur relaxed loans ka blend liya hai ya nahi? New Credit Inquiries( 10) – Aapne kitni baar New credit ke liye apply kiya hai?Credit Score Kyu Important Hai?
Loan Approval Mein Asaani – Achha score hone par banks aapko jaldi aur bina dikkat loan dete hain.
Low Interest Rate – High score par aapko kam interest rate milta hai.
High Credit Card Limit – Score accha ho to aapko high limit credit cards milte hain.
Job aur Rental Opportunities – Jaise Kuch companies Or landlords bhi aapka credit score check karte hain.
Apna Credit Score Kaise Check Karein?
Aap annual basis par free mein apna score check kar sakte hain:
Kai fintech platforms bhi aapko score check karne ka option dete hain, jaise:
Paytm
Paisabazaar
BankBazaar
Credit Score Kaise Improve Karein? (Step-by-Step Guide)
1. Time Par Payment Karein Har EMI aur credit card bill ko time par bharein. Late payment se score girta hai aur late fees bhi lagti hai.2. Credit Utilization Kam Rakhein Apne total credit limit ka 30% se kam use karein. Jyada use karna financial stress dikhata hai.
3. Purane Credit Accounts Band Na Karein Jitni purani credit history, utna behtar score. Old credit cards ko band na karein agar unnecessary na ho.
4. Zyada Credit Applications Se Bachein Har baar jab aap naya loan ya card apply karte hain, hard inquiry hoti hai. Zyada inquiries se score girta hai.
5. Credit Mix Improve Karein Sirf credit card ya personal loan ke bajaye home loan ya auto loan bhi mix mein rakhein.
6. Regularly Credit Report Check Karein Agar koi galat information ho to dispute raise karein. Galti se score gir sakta hai.
7. Secured Credit Card Ka Use Karein Agar aapka score bahut kam hai, to secured credit card leke timely payment karein.
FAQs
1 Credit Score kitna hona chahiye?
Ans 750 score ko accha mana jata hai.
2 Credit Score kab update hota hai?
Ans Har mahine banks data update karte hain, to score yearly base par change hota hai.
3 Kya score free mein check kar sakte hain?
Ans Haan, saal mein ek baar aap apna score free mein check kar sakte hain har office se.
4 Low credit score hone par loan shop sakta hai?
Ans Mil sakta hai, par interest rate zyada hoga ya loan reject bhi ho sakta hai.
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