Home loan credit utilisation

[Amritansh]

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???

 

[GURUWALKE]

No , its happen with Credit card Only ..

 

[Amritansh]

No , its happen with Credit card Only ..

What should I do, in my CIBIL report it is showing as credit utilisation

 

[hitirfan]

What should I do, in my CIBIL report it is showing as credit utilisation

Showing high CUR on the dashboard or on that account only?

 

[Amritansh]

On that account only but due to that overall credit utilisation has also increased.

 

[hitirfan]

On that account only but due to that overall credit utilisation has also increased.

On the Dashboard only CUR of Credit Card is mentioned. Rest every account (credit card/ loan) has it's CUR.

 

[GURUWALKE]

What should I do, in my CIBIL report it is showing as credit utilisation

No worry it doesn't have any adversely effect on score

 

[zacobite]

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???

it improves your score over time... basis repayment and type of credit.. Not counted in Utilization but is considered while considering leverage

 

[Supriyo_]

If I pay my car or other loan EMIs using a credit card via the Freecharge mobile app or website, can the bank charge a penalty from me?

 

[harsh_ujjwal]

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???

U should contact Transunion cibil for rectification. Credit utilisation is calculated on the basis of revolving credit. Home loan or personal loan in not a revolving credit.
Though it impacts credit score but it should not showing 100% utilisation.