credit bureau

  1. A

    Home loan credit utilisation

    Is home loan also included in credit utilisation, I had a home loan and obviously I had disbursed 100% amount, now in my CIBIL report it's showing as 100% credit utilised which is adversely impacting my credit score what to do???
  2. S

    Will the credit card utilization ratio is counted by all active cards ?

    For example - I have 3 credit cards with total 3.75 lakhs limit each with 1.25. Now if i use for buying product of 1.25 lakhs on EMI by any 1 card how does the credit utilization ratio calculated ? Does it affect cibil score ? If yes Is there any other way ?
  3. A

    How many apps we can check Credit score powered by CIBIL ?

    Hi , I want to know how many apps are providing us free Credit score which is powered by Transunion CIBIL only . Not Experian , Equifax or Crif Highmark. Please suggest only the apps or websites , who are providing CIBIL score for free.
  4. A

    Scam alert

    I'm using 2 credit cards Amazon ICICI credit card & IDFC millennial. Today I recieved a call from a lady stating that I'm eligible for a pre-approved SBI rupay credit card. After discussing about all the features when I proceeded, she already have all my information including my (PAN card...
  5. Abhi7hek

    Credit card utilisation ratio

    Which credit utilization amount is reflected in the credit bureau report? Is it based on the statement amount from the previous month or the total utilized credit, including the amount used after the statement is generated? For example, if my credit limit is ₹30,000 and my total used credit is...
  6. Abhi7hek

    Should I close my Amazon paylater account ?

    Recently, I got a RuPay-based credit card. Earlier, I used to pay for utility bills and some online purchases through Amazon Pay Later. In the OneScore application, I received a prompt suggesting that I close risky accounts with the lowest balance, i.e., Amazon Pay Later, to improve my credit...
  7. A

    Unexpected Bank Credit from Experian – Anyone Had a Similar Experience?

    I regularly check my Experian credit report and raise disputes when I find errors. However, I usually forget about them once submitted. Today, I noticed that my bank account was credited with ₹5,100 by Experian. At first, I thought it was a mistake. But after thinking about it, I believe this...
Top