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Loan Settlement and CIBIL: Why You Should Think Before Settling

Loan Settlement can appear to be an immediate solution when a borrower is struggling to repay the complete outstanding amount. Suppose ₹50,000 is outstanding on a loan or credit card. The borrower is facing financial difficulty,

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DPD in CIBIL Report: What 30, 60 and 90 DPD Really Mean

DPD in CIBIL Report is one of the most important sections borrowers should understand while reviewing their credit history. A report may contain entries such as 000, STD, XXX, 30, 60, 90, SMA, SUB, DBT or

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Education Loan with Low CIBIL Score: Should Students Lose Hope?

An Education Loan with Low CIBIL Score can become a serious concern for students and parents, particularly when college admission, fee payment or overseas education deadlines are approaching. A negative entry in the credit report often

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Loan Settlement or No Due Certificate? Know the Difference Before Paying Less

When borrowers start receiving recovery calls from banks or collection agencies, they are often presented with what appears to be an attractive offer. The conversation usually sounds familiar. “Your outstanding balance is ₹50,000. Pay ₹15,000 today,

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How to Improve Your CIBIL Score the Right Way: A Step-by-Step Guide

One of the most common questions borrowers ask is: “How can I improve my CIBIL Score quickly?” The internet offers countless answers. Some promise instant improvements, while others claim that a few simple tricks can significantly

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Duplicate PAN Card Will Not Fix Your Credit Report: The Truth Every Borrower Must Know

Every few months, we come across borrowers who share a surprising claim. “Someone is offering to fix my credit report for just ₹2,000.” When we ask how they plan to do it, the explanation is often

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CIBIL Dispute Alone Won’t Fix Your Credit Report

A CIBIL Dispute is one of the most misunderstood concepts among borrowers. Many people believe that repeatedly raising disputes with CIBIL or continuously sending emails to the credit bureau will automatically remove negative entries from their

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Write-Off Account Payment: Avoid This Costly Mistake

A Write-Off Account Payment is not as simple as paying the amount demanded by the bank. Many borrowers assume that once they make the payment, the write-off status will automatically disappear from their credit report. Unfortunately,

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Loan Rejected? Take a Second Opinion Before Giving Up

Loan Rejected? Do not assume that you are permanently ineligible for finance. A bank may reject an application for several reasons. However, the first explanation you receive may not always reveal the complete situation. Whether you

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Why Is an ARC Appearing in Your CIBIL Report?

Many borrowers become worried when they notice an ARC in CIBIL Report and do not recognize the name. Instead of the bank from which they originally borrowed, the report may display names such as Phoenix ARC,

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