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Category: Credit Funda

RBI Loan Recovery Rules 2026: Know Your Rights

If you are unable to pay your loan EMI regularly, understanding the rules governing loan recovery is important—but understanding those rules correctly is even more important. On 6 August 2026, the Reserve Bank of India issued

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CIBIL Rank 5 but Business Loan Rejected? Here’s Why

A businessman recently approached us with a question: “My company has a CIBIL Rank of 5, there is no major problem in the company credit report, and our existing working-capital facility is also running properly. Why

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Four Credit Bureaus in India: Is Correcting Only CIBIL Enough?

When people talk about their credit history in India, one word dominates the conversation: CIBIL. Customers commonly tell us: “My CIBIL is good.” “The bank told me to correct my CIBIL.” “My CIBIL problem has been

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Good CIBIL Score but Loan Rejected? Understand Why

A viewer recently asked me: “Sir, my CIBIL Score is around 720–725. If my score is good, why is the bank still not giving me a loan?” This is an important question because many borrowers have

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CIBIL Problem Not Resolved? Find the Root Cause First

Some of the most complicated Credit Rectification cases do not begin with a new problem. They begin with a customer saying: “I have already tried everything, but my CIBIL problem is still not resolved.” The customer

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How to Improve CIBIL Score: Fix Credit Issues First

How to improve CIBIL Score is one of the most common questions we receive from borrowers. A customer may say: “My CIBIL Score is 600. The bank manager has told me that if it becomes 700,

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Importance of Good Credit Score: 7 Reasons It Matters

The importance of good credit score is often understood only when someone needs a loan. But today, a healthy credit profile can matter at several different stages of a person’s financial life. Your credit report records

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Bank Dues for Write-Off Account: How Is Amount Decided?

Bank dues for Write-Off account cannot always be determined simply by looking at the amount appearing in your CIBIL Report. This becomes particularly important when the loan is old—sometimes 5, 10 or even 15 years old—and

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CIBIL Rectification: How to Verify Your Report Is Corrected

CIBIL Rectification should never be considered complete merely because someone tells you, “Your work is done.” If you started the process because your CIBIL Report contained an incorrect Write-Off, Settled status, outstanding balance, DPD or another

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Outstanding Bank Dues: Can CIBIL Be Fixed Without Payment?

Outstanding Bank Dues are one of the most important issues to understand before trying to rectify a CIBIL Report. If genuine loan dues remain unpaid and the lender is accurately reporting those dues, you cannot simply

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