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Credit score
1. WHAT IS YOUR CREDIT SCORE??
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2. Do you want a bank loan??
First check your credit score..
Credit score is also known as CIBIL Score in
India
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3. Credit Information Bureau (India) Limited
Is the first credit information company in
India started in 2000
CIBIL
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4. Collect the complete payment history of an
applicant
Distribute the collected details to its member
institutions like bank, other financial institutions
Maintain records of credit history and pattern of
payment of applicant
Check the creditworthiness of the applicants
OBJECTIVES
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5. Credit Information Report (CIR) and CIBIL TransUnion
Score.
Helps to find out the applicant’s eligibility to get
loans
CIBIL PRODUCTS
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6. Credit score is the numerical expression
provide by the credit bureaus according to
the credit report of an applicant.
CIBIL SCORE
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7. It determine the amount of loan for the
applicants
helps to determine the interest rate
Helps to improve the financial life
IMPORTANCE
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8. There are four Credit Information Companies in India
licensed by RBI
Each CRI have individual credit score
Credit score is normally three digits number ranges from
300-900
The chance of getting loan is depends up on the credit
score
750 is the apt credit score
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9. Make sure all payments are done on time
Check your credit utilization
Monitor your accounts regularly for on time payment
Maintain a healthy combination of credit includes
healthy and unhealthy loans
HOW CAN IMPROVE YOUR CREDIT
SCORE??
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10. When you achieved a best credit score try to
maintain it
Keep your score as 720-850
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