Kam score lender ko batata hai ki pehle loan chukane ya credit use mein dikkat rahi hai. Kai lenders bina girvi loan ke liye ek limit rakhte hain, isliye kam score par chhota offer mil sakta hai ya "na" bhi ho sakti hai. Lekin sirf score hi sab kuch nahi hai.
Pehle jaanein ki score kam kyun hai
Apni free credit report nikaalein aur wajah dekhein:
- Haal ke mahino mein late payment (DPD)
- Koi written-off ya settled account
- Credit card limit ka bahut zyada use
- Haal mein bahut saare loan applications
- Koi galti — band loan ab bhi khula dikhna, ya aisa account jo aapka nahi
Galtiyan bureau ke free dispute process se theek karwayi ja sakti hain.
Score ke alawa lenders kya dekhte hain
- Stable, pakki income — regular salary ya business ka paisa
- Income ke mukable kam chal rahi EMIs
- Haal ka saaf record — pichhle 6 se 12 mahine sabse zyada matter karte hain
- Account Aggregator se share ki gayi banking history, jo aapka asli cash-flow dikhaye
Chances kaise badhayein
- Kam amount maangein jiski EMI aaram se bhar sakein.
- Jahan allow ho, achhe score aur income wala co-applicant jodein.
- Zaroori kaam ke liye secured option jaise gold loan ya FD par loan dekhein.
- Ruk sakein to pehle score sudharein — chhah mahine time par payment aur kam card bakaya se score badh sakta hai. Padhein CIBIL score kaise badhayein.
- Har jagah apply na karein — har rejection enquiry jodta hai aur score aur ghatata hai.
"Kharab CIBIL par guarantee loan" wale offers se bachein
Jo koi score dekhe bina pakke approval ka vaada kare aur pehle fees maange, woh lagbhag nishchit roop se fraud hai. Padhein loan fraud se kaise bachein.