Know Your Credit Score
Before You Apply
Check your credit score instantly and understand your loan eligibility.
Best Habits To Follow
Pay On Time
Pay business/individual loans, credit card bills, and other loans on time.
Don't Over-Leverage
Apply for credit only when needed.
Healthy Credit Mix
Maintain a healthy mix of credit.
Monitor Joint Accounts
Monitor business loans, co-signed/joint accounts monthly.
Monitor Guarantor Accounts
Monitor loan accounts where you're a guarantor/director/partner/proprietor.
Review Regularly
Review your company and individual credit report regularly.
Common Misconceptions
Myths About The Bureau Score
Key Points
Doesn't Reject Applications
Rather supports faster decision-making and realtime disbursement.
Not a Defaulters List
Helps for selection of good and bad customers for faster decisioning.
No Unilateral Changes
Only bankers and NBFCS can do changes in your profile respected by banks.
No Savings Data
Bureau captures only lending and credit-related information.
Not Permanent
Responsible credit behaviour can help improve your credit score over time.
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Know Your Eligibility
Understand where you stand before applying for credit.
Build Better Credit
Track your score and improve it over time.
Faster Loan Decisions
A good credit profile can speed up lender approvals.
Stay In Control
Keep an eye on your credit health with regular checks.