An individual’s CIBIL score is a critical factor that determines whether they will get approved for a loan as well as the terms and conditions of the loan that will be offered to them. Thus, all borrowers are advised to perform a CIBIL score check before applying for a loan and initiate the loan application process only when their CIBIL score meets their lender’s eligibility requirements. A good CIBIL score is anything above 750. Such a credit score is the mark of a responsible credit user who can be trusted with timely loan repayment.
Several factors affect a person’s credit score, including their repayment history, the length of their credit history, the credit mix they have, hard enquiries, etc. In this article, we look at how applying for new credit affects a person’s credit score as well as how to check CIBIL score for free.
Here’s How Applying for Credit Influences One’s Credit Score
Over the last few years, be it a home or a car, more and more people have been opting for loans to fund their purchases. Loans allow borrowers to afford things by paying for them in a systematic and stress-free manner. However, one should not take too many loans. Here’s why.
Every time a borrower applies for a loan, the lender to whom they have made an application sends an enquiry to a credit information bureau regarding the borrower. All enquiries made by lenders get registered as hard enquiries. Too many hard enquiries show a person to be credit hungry and also negatively impact their credit rating. Information about all applications one has made for new credit, including those that met with rejection, stays on one’s credit report for many years. It is thus that borrowers are advised to apply for a loan or credit only when they absolutely need it.
Borrowers must check CIBIL score for home loan before beginning the loan application process. Let us look at how borrowers can check CIBIL score for free.
How to Check Your CIBIL Score for Free?
If you want the most accurate and detailed CIBIL report, we recommend going to the official website of TransUnion CIBIL and subscribing to a plan. Based on the plan you have selected, you will be required to pay a fee and once you do that, you will be able to see your CIBIL score. Further, TransUnion CIBIL will send you a detailed CIBIL report as well.
However, if you want to check CIBIL score for free, you can do so by going to one of the many websites that offer this facility. You will be required to provide your PAN card or aadhar card details to help the website identify your credit report. Further, you will also be required to provide some personal information, such as name, email address, etc. Please know that this information will be safe with the website with which you have shared it. So, you need not worry about a data breach or security issues.
Also Read: Steps to Check CIBIL Score for Free in India
Let us now look at how can borrowers improve their CIBIL score.
Simple Ways to Improve Your CIBIL Score
If you are applying for a home loan or a loan of any kind, check your CIBIL score. Apply only if your CIBIL score is above 750. If it is less than 750, follow the tips mentioned below to improve your credit score before beginning the loan application process.
Your credit history makes up 35% of your credit score. In other words, it is one of the key factors that determine one's credit score. Therefore, borrowers who want to increase their CIBIL score must keep their credit history clean by paying EMIs and credit card bills on time. In case a borrower misses an EMI payment, they must repay it as soon as possible.
The length of one's credit history is another factor that determines one's credit score. The longer your credit history, the better your credit score. It is for this reason that borrowers must never close old loan accounts. Closing old loan accounts leads to borrowers losing their credit history, which in turn, causes their credit scores to go down.
Also Read: How to Check, Calculate, and Improve CIBIL Score?
Yet another thing that you must do to increase your credit score is limit loan and credit card applications. Too many credit card and loan applications show a borrower to be credit hungry. Every time a borrower makes an application for a loan, the lender sends an enquiry to the borrower. This enquiry gets registered as a hard enquiry. Borrowers should keep hard enquiries to a minimum as these reduce a borrower's credit score.
Borrowers must also check their credit report from time to time for errors. Credit rating agencies assign a CIBIL score to borrowers based on the information passed to them by lenders. Sometimes, lenders pass on the wrong information to borrowers, which leads to a borrower's credit score going down. Borrowers must check their credit reports from time to time for mistakes and misinformation. If they see any errors, they must report them immediately as rectifying errors takes time.
Those borrowers who want to increase their credit rating must also maintain a healthy mix of secured and unsecured loans in their kitty. Maintaining a healthy mix helps lenders assess a borrower's ability to handle all kinds of credit.
Lastly, borrowers who want to improve and maintain a good CIBIL score must maintain a low credit utilization ratio. The credit Utilization ratio is the ratio of credit used to credit available. A high credit utilization ratio is the mark of an unreliable borrower. Borrowers must try and keep their credit utilization ratio below 30%. They must also try and clear their full credit card bill each month.
Final Words
Following these simple steps will certainly help you build a good credit score and strong financial strength, which is crucial to avail of a loan on good terms and conditions.
DISCLAIMER:
While care is taken to update the information, products, and services included in or available on our website and related platforms/websites, there may be inadvertent errors or delays in updating the information. The material contained in this website and on associated web pages, is for reference and general information purposes, and the details mentioned in the respective product/service document shall prevail in case of any inconsistency. Users should seek professional advice before acting on the basis of the information contained herein. Please take an informed decision with respect to any product or service after going through the relevant product/service document and applicable terms and conditions. Neither Bajaj Housing Finance Limited nor any of its agents/associates/affiliates shall be liable for any act or omission of the Users relying on the information contained on this website and on associated web pages. In case any inconsistencies are observed, please click on contact information.
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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
[N][T][T][N][T]
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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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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[N][T][T][N][T]
5 Benefits of Availing of a Home Loan at an Early Age2024-05-10 | 3 min
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[N][T][T][N][T]
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
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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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[N][T][T][N][T]
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
[N][T][T][N][T]
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
[N][T][T][N][T]
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
[N][T][T][N][T]
What is CIBIL? Understand How It Works and Its Importance2024-01-31 | 6 min
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tax Tax
[N][T][T][N][T]
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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home+loan Home Loan
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Can I Take a Home Loan and a Personal Loan Together?2024-01-17 | 4 min
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home+loan Home Loan
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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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home+loan Home Loan
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7 Common Problems You May Face While Applying For Home Loan2024-01-18 | 7 min
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home+loan Home Loan
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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?