Your CIBIL credit report is an important factor in assessing your eligibility for loans or credit cards in India. It provides comprehensive information, such as your credit history, outstanding debts, and loan inquiries. Loan inquiries are recorded when lenders review your credit report to evaluate your creditworthiness. Excessive loan inquiries on your CIBIL credit report can have adverse effects on your credit score. Nevertheless, there are methods to eliminate these loan inquiries and enhance your credit status. This article aims to explain loan inquiries, their impact on your credit report, and the steps involved in their removal.
What is a Loan Inquiry in a CIBIL Credit Report?
A loan inquiry, also called a credit inquiry, happens when a lender accesses your credit report to evaluate your creditworthiness. Here are the two types of loan inquiries:
1. Soft Inquiry:
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Soft inquiries are made by individuals or companies to gather information from your credit report.
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These inquiries are for informational purposes and do not affect your credit score.
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Soft inquiries can be conducted without your consent.
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Examples include pre-approved loan offers or background checks by potential employers.
2. Hard Inquiry:
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Hard inquiries occur when you apply for credit and give permission to a lender to review your credit report.
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These inquiries are recorded on your credit report and may temporarily lower your credit score.
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They indicate that you are actively seeking credit and can impact lenders' perception of your creditworthiness.
Remember, soft inquiries have no impact on your credit score, while hard inquiries may have a temporary negative effect.
How to Remove a Loan Inquiry on the CIBIL Credit Report?
Removing a loan inquiry from your CIBIL credit report involves a few simple steps. While you can't remove legitimate loan inquiries, you have options to dispute inaccurate or unauthorized ones. Here's what you can do:
1. Review your credit report:
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Obtain a copy of your CIBIL credit report.
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Go through the report carefully to identify the loan inquiries listed.
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Verify if all the inquiries are accurate and authorized.
2. Dispute inaccurate inquiries:
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If you find any loan inquiries that are incorrect or unauthorized, you can raise a dispute with CIBIL.
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Follow the steps mentioned in section 4 below on how to raise a dispute with CIBIL.
3. Timeframe for removal:
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If the disputed loan inquiry is confirmed to be inaccurate or unauthorized, CIBIL will remove it from your credit report within 30 days.
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The removal of such inquiries may have a positive impact on your credit score.
5 Tips to Improve Your CIBIL Credit Score
While removing loan inquiries can help boost your CIBIL credit score, it is crucial to follow good credit practices to maintain a healthy credit profile. Here are some valuable tips to improve your CIBIL credit score:
1. Pay your bills on time:
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Make timely payments for your credit card bills and loan EMIs.
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Timely payments demonstrate responsible financial behavior and have a positive impact on your credit score.
2. Keep credit utilization low:
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Aim to keep your credit card utilization below 30% of the available limit.
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High credit utilization indicates a higher credit risk and can negatively affect your credit score.
3. Maintain a diverse credit mix:
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Having a mix of different types of credit, such as credit cards, loans, and mortgages, can be beneficial for your credit score.
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However, be cautious and avoid taking on excessive debt.
4. Limit new credit applications:
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Avoid applying for multiple loans or credit cards within a short period.
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Rapidly applying for credit can raise concerns about your creditworthiness.
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Wisely space out your credit applications to maintain a positive credit image.
5. Regularly monitor your credit report:
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Stay vigilant by reviewing your credit report periodically.
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This practice helps you identify any inaccuracies or discrepancies in your credit report.
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Promptly address any issues to ensure that your creditworthiness is accurately reflected.
By implementing these credit improvement strategies, you can enhance your CIBIL credit score and strengthen your financial standing.
Read Also: Tips to Improve CIBIL Score Above 800
How to Dispute a Loan Enquiry with CIBIL?
If you come across an inaccurate or unauthorized loan inquiry on your CIBIL credit report, you have the option to raise a dispute with CIBIL to rectify the issue. Follow these step-by-step guidelines to initiate the dispute resolution process:
1. Obtain your credit report:
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Request a copy of your CIBIL credit report from their official website or through authorized channels.
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This report will provide you with the necessary information to identify the loan inquiry that you believe is incorrect or unauthorized.
2. Identify the inaccurate loan inquiry:
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Carefully examine your credit report to pinpoint the specific loan inquiry that you suspect to be inaccurate or unauthorized.
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Pay attention to the details and ensure you have a clear understanding of the inquiry in question.
3. Gather supporting documents:
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Collect any relevant supporting documents or evidence that substantiate your claim of an inaccurate or unauthorized loan inquiry.
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These documents can include application receipts, loan rejection letters, or any communication you may have had with the lender in question.
4. Raise a dispute with CIBIL:
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Visit the CIBIL website or get in touch with their customer service to initiate the dispute resolution process.
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Provide all the necessary information, including the details of the loan inquiry and the supporting documents you have gathered.
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Clearly articulate your concerns and explain why you believe the inquiry is inaccurate or unauthorized.
5. Follow up on the dispute:
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CIBIL will undertake an investigation into your dispute and communicate the resolution within a period of 30 days.
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If the inquiry is determined to be inaccurate or unauthorized, CIBIL will take the appropriate steps to remove it from your credit report.
Remember to maintain documentation and keep track of all interactions and communications with CIBIL throughout the dispute resolution process. By following these steps and staying proactive, you can ensure that any inaccurate or unauthorized loan inquiries are rectified, and your credit report accurately reflects your creditworthiness.
Conclusion
In conclusion, addressing inaccurate or unauthorized loan inquiries on your CIBIL credit report through the dispute resolution process with CIBIL can improve your credit score. Maintain a healthy credit profile by monitoring your report regularly, practicing good credit habits, and promptly resolving any discrepancies. A strong credit score unlocks opportunities for favorable loan and credit card offers, supporting your financial aspirations.
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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home+loan Home Loan
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Get a Home Loan Without Visiting Branch: A Step-by-Step Guide2024-03-20 | 4 min
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home+loan Home Loan
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Complete Guide to Securing a Attractive Interest on Home Loans2024-01-23 | 3 min
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loan+against+property Loan Against Property
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Understanding the Fees and Charges on Your Loan Against Property2024-02-16 | 8 min
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cibil Cibil
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Here’s What You Can Do to Improve Your CIBIL Score2023-03-16 | 4 min
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home+loan Home Loan
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Home Loan Refinancing: What, Why, and Things to Remember2024-06-17 | 5 Min
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tax Tax
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How to Avail of Tax Benefits on a Loan Against Property2024-06-13 | 5 Min
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cibil Cibil
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Top 10 Reasons For Low CIBIL Score & How To Improve It2024-03-01 | 5 min
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home+loan Home Loan
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5 Great Ways Women Can Benefit from Taking a Housing Loan2024-01-16 | 5 min
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loan+against+property Loan Against Property
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Top Benefits of a Loan Against Property Over Collateral-Free Loans2024-01-09 | 4 min
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cibil Cibil
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Five Reasons Why a Bad Credit Score Could Lead to Loan Rejection2024-01-22 | 5 min
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cibil Cibil
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How Does Your Digital Footprint Affect Your CIBIL Score?2024-03-20 | 5 min
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cibil Cibil
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How Can I Get My ECN Number in CIBIL?2024-01-09 | 5 min
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home+loan Home Loan
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What is Foreclosing a Home Loan? These are Some of the Do’s and Don’ts2023-12-20 | 6 min
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tax Tax
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10 Useful Income Tax Deductions for FY 2022-232024-02-21 | 6 min
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home+loan Home Loan
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All You Need to Know About Home Loans2023-01-19 | 5 min
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cibil Cibil
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Ways You Can Improve your Credit Score for a Small Business2023-03-01 | 5 min
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tax Tax
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5 Tax Savings and Other Advantages You Can Get When You Apply for Home Loans2024-02-14 | 6 min
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cibil Cibil
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Reasons Why Your CIBIL Score Is Going Down2024-04-10 | 4 min
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Checklist of Documents Required for Home Loan2024-02-07 | 5 min
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home+loan Home Loan
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How to Get a Housing Loan Approved Instantly?2024-04-10 | 5 min
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home+loan Home Loan
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What Is a Pre-Approved Home Loan and How Should You Get It Done?2024-03-12 | 5 min
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tax Tax
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Should You Get a Home Loan to Save Your Taxes?2024-02-01 | 3 min
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home+loan Home Loan
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How to Pay Off Your Home Loan Quicker2024-03-11 | 4 Min
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cibil Cibil
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How Business Loans Affect Your CIBIL Score & How to Improve the Same2024-03-13 | 6 min
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loan+against+property Loan Against Property
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Short vs. Long Loan Against Property Tenor - Which Is Better?2024-05-07 | 4 min
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home+loan Home Loan
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Consider These Factors Before Foreclosing Your Home Loan2024-04-16 | 3 min
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tax Tax
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What is a Property Tax in India and How is It Calculated?2024-03-13 | 4 min
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loan+against+property Loan Against Property
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Understanding the Fees and Charges on Your Loan Against Property2024-04-10 | 6 min
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cibil Cibil
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How Does Missing One Payment Affect Your CIBIL Score?2024-05-15 | 4 min
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cibil Cibil
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Ways to Improve Your Credit Score with a Credit Card2024-02-02 | 4 min
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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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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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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
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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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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 -1