Since demand for loans has increased multi-fold over the last few years, lenders have also become stringent about borrowers meeting the loan eligibility criteria. Lenders assess a borrower's application against several different factors, such as their age, income, number of working years left ahead of them, current debt-to-income ratio, credit score, etc.
The credit score is one of the key factors that affect Home Loan eligibility as well as home loan interest rates. Lenders give high weightage to credit scores and credit reports when deciding on a borrower's loan application. Before getting to how to improve credit scores, let us understand how a good credit score helps borrowers.
Here's How a Good CIBIL Score Proves Helpful
If your CIBIL score check shows a credit score of 750 or above, it's a good thing. Anything between 750 and 900 is considered a very good credit score and here's how such a credit score helps a borrower.
It Ensures Quick Approval
A credit score between 750 and 900 is a sign of a reliable and trustworthy borrower. Such a credit score belongs to an individual who has always paid EMIs on time, cleared card payments before due dates and has been a responsible borrower through and through. It is therefore not very surprising that all lenders want to work with such borrowers and thus when a borrower with an impeccable credit score applies for a loan, they get approved for a loan quickly.
Also Read: Tips to Maintain Your Business CIBIL Score Above 700
It Ensures Beneficial Loan Terms and Conditions
If your credit score is 750 or above, lenders will try and lure you with the best loan deals. Thus, you will be offered the lower interest rates when you apply for a loan, you may also be allowed to repay the loan over a longer tenor. Most importantly, your lender may even agree to sanction you a loan amount higher than you are eligible for.
Apart from this, good credit history also allows borrowers to avail of the best credit card deals.
If your CIBIL score is below 750, do not worry. The good news is that the CIBIL score can be improved. Here are a few tips on how to improve credit score.
How Can I Improve My CIBIL Score?
Here are a few tips that can help you improve your CIBIL score:
Maintain a Clean Payment History
Your credit history is one of the key factors that affect your credit score. Credit history makes up 35% of a person's credit score. Late payments, credit defaults, etc. stay on an individual's credit report for 7 years. Details about more serious events, such as bankruptcy, stay on a person's credit report for over 10 years.
Therefore, to improve credit score, borrowers must maintain a clean credit history. This means they must pay credit card bills on time, clear EMIs before due dates and never default on loans. Taking a loan after proper planning certainly helps borrowers keep their credit history clean.
Limit Loan and Credit Card Applications
If you are working on improving your CIBIL score, limit credit card and loan applications for a while. Apply for a loan or credit card only when absolutely necessary. When a borrower applies for a credit card or loan, the first thing that a lender does is send an enquiry to the credit information bureau they work with and enquire about the borrower. Such enquiries are known as hard enquiries. Too many hard enquiries show a borrower to be hungry for credit and reduce their credit rating. Hard enquiries makeup 10% of a borrower's credit rating and therefore, one must abstain from credit when one is trying to improve their credit score.
Maintain a Credit Utilization Ratio of 30% or Lower
The credit utilization ratio is the ratio of credit used to credit available and it makes up 30% of one's credit score. Borrowers who use too much credit available to them come across as reckless and extravagant spenders and lenders do not like working with such borrowers.
Many borrowers make the mistake of paying only the minimum due on their credit cards. Borrowers do not know this but doing this reduces one's credit utilization ratio as well as one's CIBIL score. So, do not clear just the minimum due. Instead, try to clear the entire pending amount each month and make it a point to maintain your credit utilization ratio below 30%.
Maintain a Healthy Credit Mix
The credit mix you maintain also has an impact on your credit score. The credit mix you opt for makes up 10% of your credit score. Therefore, if you are trying to build up your credit score, maintain a healthy mix of secured and unsecured credits. This will convince your lender of your ability to handle all kinds of loans.
Also Read: How Credit Mix can Boost Credit Score
Check Your Credit Report for Errors
Credit information agencies decide a borrower's credit score and credit rating based on the information supplied to them by lenders. Sometimes, lenders pass wrong information which results in errors creeping into a borrower's credit report. Thus, borrowers must check their credit reports from time to time and if they see any errors, they must report them immediately. Rectifying these errors takes time. Therefore, one must report these errors immediately.
Be Patient
We often get questions, such as how to increase CIBIL score immediately. The truth is it is impossible to improve credit scores immediately. Building credit scores takes time. Even if you follow all the tips above, you will still have to wait a few months to see any concrete changes in your credit score. So, be patient. Do not expect to see changes overnight. Instead, be at it and keep practising rigorous financial discipline.
Final Words
When it comes to availing of credit, a good credit score is a borrower's biggest asset. Therefore, borrowers must take concrete steps to ensure a high CIBIL score. If your CIBIL score is below 750, follow the tips mentioned in this article to ensure good financial health and an excellent credit score in the long run.
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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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
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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 -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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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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Hybrid Flexi Loan vs. Personal Loan: Which One is Better?2024-01-24 | 3 min
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A Helpful Guide to Understanding Your Credit Report2024-01-26 | 5 min
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An Essential Guide to Refinancing a Home Loan