Lenders check every loan application against various parameters, such as age, income, debt-to-income ratio, credit score, etc. Lenders do this to ensure their safety and steer clear of borrowers who may default on loan repayment. Of all the factors that lenders check to assess a borrower’s creditworthiness and their intent and ability to repay a loan on time, the most important is the credit score. TransUnion is the most well-recognized credit information bureau in India and the credit score it gives borrowers is known as the CIBIL score. The CIBIL score ranges between 300 and 900, with 900 being the best CIBIL score anyone can have. A good CIBIL score, i.e., anything between 750 and 900, indicates high repayment capacity and therefore, leads to quick loan approval. Borrowers can check the CIBIL score anytime. However, to be able to do so, they must pay certain charges known as the CIBIL score charges.
What are the CIBIL Score Charges?
Borrowers must check their CIBIL report often. This way, they will have ample time to take corrective measures in case their CIBIL score is below 750. However, to be able to check the CIBIL score, you must pay TransUnion. CIBIL score charges vary based on the subscription plan that a borrower chooses to go for. As per the TransUnion website, the basic one-month plan starts at Rs.550 wherein you can have unlimited access to your CIBIL score and report. Borrowers can also opt for a 6-month plan which starts at Rs.800 with a facility to monitor your credit score 24/7. To learn more about the subscription plans, visit the official website of TransUnion.
It must be highlighted here that when a borrower checks their CIBIL score, the enquiry is known as a soft enquiry and has no effect on a borrower’s CIBIL score. On the other hand, when a lender checks a borrower’s CIBIL score, primarily to take a call on their application, it is known as a hard enquiry. Hard enquiries harm a borrower’s CIBIL score.
Major Factors that Affect Your CIBIL Score
Now that we understand all about CIBIL score charges, let us look at the factors that affect a borrower’s CIBIL score. Understanding these factors is crucial as it allows borrowers to maintain a good CIBIL score and enhance their chances of getting approved for a loan. So, let us look at the factors that affect a borrower’s CIBIL score.
Credit History
A borrower’s credit history is one of the most crucial factors that affect their credit history. Depending on the credit rating system being used, the credit history makes up 35% to 40% of a borrower’s CIBIL score. A clean repayment history convinces lenders and credit information bureaus of the borrower’s intent and ability to repay on time. Therefore, a clean repayment history inevitably leads to a good CIBIL score. If you wish to increase your CIBIL score, make sure you are paying all loan EMIs and credit card bills on time. Do not let any cases of late payment creep into your CIBIL report. If you miss paying any EMIs, clear them before the next due date and make sure to never default on loan and credit card repayment.
Credit Utilization Ratio
The credit utilization ratio is the ratio of credit used to credit available. Borrowers who exhaust the limit on their credit cards naturally have a high credit utilization ratio. A high credit utilization ratio indicates high dependency on credit and therefore, borrowers who have a high credit utilization ratio have a low CIBIL score. It is important to know all about the credit utilization ratio as it makes up almost 30% of a borrower’s CIBIL score. To maintain a good credit utilization ratio, use your credit cards wisely. Do not exhaust the limit on them every month and if you do, make it a point to clear the whole amount due and not just pay the minimum amount due each month.
New Credit Applications
New credit applications lead to hard enquiries and too many hard enquiries harm a borrower’s CIBIL score. Therefore, borrowers who want a good CIBIL score must apply for credit cautiously. They must limit new credit card and loan applications. Further, if one must make multiple applications, one must never make them all together and instead, spread them out over the months.
Credit Mix
Lastly, the credit mix that a borrower has also affected their CIBIL score. People who have a healthy blend of both secured and unsecured loans have a higher CIBIL score than borrowers who have only secured or unsecured loans in their loan kitty. A healthy loan mix convinces lenders that a borrower will be able to handle all types of credit and therefore, borrowers who have such a mix automatically have a good CIBIL score. The credit mix holds 10% weight in a borrower’s CIBIL score check.
Also Read: How to Check CIBIL Score Online?
Let us now look at why borrowers must try and maintain a good CIBIL score.
3 Benefits of Having a High CIBIL score
A good CIBIL score offers many advantages. Let us look at the benefits of having a high CIBIL score.
- A high CIBIL score helps borrowers get approved for a loan quickly. Lenders know that borrowers whose CIBIL score varies between 750 and 900 are quite unlikely to not repay their loan on time. Thus, lenders approve loan and credit card applications from such borrowers almost immediately.
- Lenders extend their most lucrative home loan deals to borrowers who have a good CIBIL score. Thus, if your CIBIL score check shows a result of 750 or above, know that not only will you get approved for a loan quickly, but you will also get lucrative terms and conditions on your loan, such as low-interest rates, longer repayment tenor, higher loan sanction, etc.
- Lastly, if you have a good CIBIL score, you will also have higher negotiating power. Therefore, you may be able to negotiate better loan terms.
Final Words
If you are applying for a loan of any kind such as a Home Loan or Loan Against Property, know that the first thing your lender will do is check your CIBIL score. So, check your CIBIL score from time to time and make sure it is above 750.
*Terms and conditions apply.
Also Read: Check CIBIL Score with PAN Card for Free, in 3 Steps
DISCLAIMER:
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cibil Cibil
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What Factors Do Not Affect Credit Scores?2024-02-28 | 7 min
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cibil Cibil
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How to Check Your CIBIL Score for Free and What to Do If There Are Errors in It2024-06-05 | 4 min
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home+loan Home Loan
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What Affects the Interest Rate on Your Home Loan2024-03-13 | 5 min
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loan+against+property Loan Against Property
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3 Different Loan Against Property Types You Should Know About2024-02-13 | 5 Min
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loan+against+property Loan Against Property
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Easy Ways to Pick the Right Loan Against Property Tenor2024-05-14 | 3 min
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cibil Cibil
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How to Check, Calculate, and Improve CIBIL Score?2024-01-11 | 2 min
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tax Tax
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How to Save Tax for Salary Above 30 Lakh?2023-08-07 | 6 min
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tax Tax
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How to Save Tax Between Rs 20 to Rs 25L Salary in India2023-07-19 | 6 min
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home+loan Home Loan
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10 Smart Steps for Effective Home Loan Management2024-02-16 | 5 min
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home+loan Home Loan
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Advantages for First-Time Home Buyers2023-07-14 | 4 min
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home+loan Home Loan
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Understanding Loan-to-Value Ratio (LTV) and its Calculation2023-11-28 | 4 Min
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home+loan Home Loan
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How to Determine Your Ideal Credit Score for a Home Loan?2024-03-28 | 4 min
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home+loan Home Loan
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Would it be Possible for Me to Apply for a Second Mortgage?2024-05-22 | 3 min
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cibil Cibil
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Easy Ways to Maintain a Good Business Credit Score2024-01-10 | 5 min
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cibil Cibil
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Impact of Late Payment on CIBIL Score?2024-03-08 | 6 min
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home+loan Home Loan
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Common Myths About Home Loans: All You Need to Know2024-04-08 | 5 min
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5 Benefits of Availing of a Home Loan at an Early Age2024-05-10 | 3 min
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7 Smart Ways to Boost Your CIBIL Score for a Home Loan2024-05-09 | 6 min
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cibil Cibil
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Pay Minimum Amount Due on Your Credit Cards Will Impact Your Credit Score2024-03-11 | 5 min
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cibil Cibil
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Here’s How a Short-term Loan Can Help You Improve Your CIBIL Score2024-03-25 | 5 min
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cibil Cibil
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How Can I Raise My Credit Score From 360 to 800 Within a Year?2024-03-21 | 5 min
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home+loan Home Loan
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What is an NOC Letter and Why is it Important?2024-05-14 | 3 min
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tax Tax
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Income Tax Structure in New Regime: New Tax Exemption Limit 20232024-05-08 | 4 min
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loan+against+property Loan Against Property
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Top 5 Issues Regarding Loan Against Property Application Rejection that You Might Face2023-02-14 | 5 min
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tax Tax
[N][T][T][N][T]
Know all About Top Up Loans and How to Avail of Tax Benefits2023-12-12 | 5 min
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home+loan Home Loan
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5 Tips for Lowering Home Loan Interest Rates in 20232024-03-19 | 5 min
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home+loan Home Loan
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How Can Your Credit Score Impact Your Home Loan Interest Rate?2024-02-13 | 6 min
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Everything You Need to Know About Home Loan Tax Benefits2024-04-23 | 6 min
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cibil Cibil
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Does a Name Change Affect Your Credit Score2024-01-07 | 4 min
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home+loan Home Loan
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Home Loan Balance Transfer: Benefits, Eligibility, and More2024-05-15 | 3 Min
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home+loan Home Loan
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Benefits of Submitting a Digital Home Loan Application in Current Times2023-12-20 | 4 min
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home+loan Home Loan
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Common Mistakes to Avoid When Applying for a Home Loan2023-12-04 | 2 min
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home+loan Home Loan
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Differences Between Fixed and Floating Interest Rates2024-05-15 | 2 min
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cibil Cibil
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Everything You Should Know About Your CIBIL Score2024-02-09 | 7 min
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tax Tax
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Top Benefits of Using an Online Income Tax Calculator2023-12-28 | 5 min
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cibil Cibil
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What is Credit Score and Its Impact on Loan Availability2023-03-27 |
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cibil Cibil
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What Does Your Credit Score Tell About You?2024-06-11 | 5 min
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cibil Cibil
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Know How Mortgage Loan Affect Your CIBIL Score2024-02-05 | 5 Min
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home+loan Home Loan
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ITR Filing for Home Loan – Know the Right Process to File Your Income Tax Returns2024-02-16 | 5 min
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cibil Cibil
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Why is a CIBIL Score Measured Between 300 and 900?2024-05-07 | 4 min
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cibil Cibil
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What are the Types CIBIL Errors & How to Correct Them?2023-11-22 | 6 min
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cibil Cibil
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What is CIBIL? Understand How It Works and Its Importance2024-01-31 | 6 min
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tax Tax
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What Does It Mean to Have a CIBIL Score of -12023-06-16 | 4 min
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home+loan Home Loan
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Home Loan Terminologies2024-06-01 | 3 min
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cibil Cibil
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What Are Tradelines and How to Find Them On Your Credit Report?2024-05-28 | 4 min
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home+loan Home Loan
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Ways to Check Bajaj Housing Loan Account Numbers2024-04-05 | 3 min
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home+loan Home Loan
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What Do You Need to Know About Home Loan Foreclosure?2023-03-23 | 5 min
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cibil Cibil
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Introduction to Credit Information Bureau India Limited (CIBIL)2024-04-15 | 6 min
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home+loan Home Loan
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Section 80EE: Claim Deductions on the Home Loan Interest Paid2023-02-17 | 6 min
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home+loan Home Loan
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What is the Process to Get Your Home Loan Approved Fast with Bajaj Housing Finance?2024-02-15 | 6 min
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home+loan Home Loan
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What are the Different Types of Loans Available in India?2024-01-02 | 5 Min
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cibil Cibil
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What Does a Zero or Negative Credit Score Mean?2023-02-24 | 4 min
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cibil Cibil
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How Many Credit Inquiries are Too Much in a Year2023-09-21 | 2 min
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cibil Cibil
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How to Check CIBIL Score Online?2023-03-14 | 5 min
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home+loan Home Loan
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Top 5 Home Loan Benefits for First-time Woman Buyers2024-05-14 | 5 min
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home+loan Home Loan
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Importance of an NOC Letter after Closing Your Home Loan2023-12-14 | 6 min
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home+loan Home Loan
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Benefits of a Joint Home Loan with your Spouse2023-08-04 | 4 min
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home+loan Home Loan
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How to Pick the Best Home Loan Tenor that Suits Your Budget2023-06-29 | 5 min
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home+loan Home Loan
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How Digital Platforms Are Revolutionising the Face of Housing Finance2023-12-21 | 7 min
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home+loan Home Loan
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What is the Ideal Down Payment for a Home Loan?2024-05-16 | 5 min
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tax Tax
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Comparison Between New Tax Regime vs Old Tax Regime2024-04-10 | 5 min
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home+loan Home Loan
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Know All About the Home Loan Foreclosure Procedure2023-12-20 | 5 min
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cibil Cibil
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10 Common Myths About CIBIL Score2024-03-27 | 4 min
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cibil Cibil
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Check CIBIL Score with PAN Card for Free, in 3 Steps2024-02-27 | 5 min
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home+loan Home Loan
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Advantages of Including a Co-Applicant on Your Home Loan2024-01-21 | 7 min
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home+loan Home Loan
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What is the Difference Between Top-up Loan and Home Improvement Loan2023-01-11 | 5 min
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home+loan Home Loan
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Are Registration Charges Compulsory When You Opt for a Home Loan?2024-04-15 | 5 min
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Can I Take a Home Loan and a Personal Loan Together?2024-01-17 | 4 min
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Should You Take a Home Loan Even If You Have Enough Money to Buy a House?2023-01-30 | 3 min
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7 Common Problems You May Face While Applying For Home Loan2024-01-18 | 7 min
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What Happens If Home Loan EMI Bounces? Know the Consequences2023-07-11 | 5 min
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home+loan Home Loan
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Hybrid Flexi Loan vs. Personal Loan: Which One is Better?