Kredit Score Behtar Karne Ke Fande

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Kredit Score Behtar Karne Ke Fande

preeti Kulkarni Mumbai farj keejiye ki hom loan ke liye aapki eplikeshan khaarij kar di jaati hai. Haalaanki, aapne sabhi tarah ke loan aur bilon ka bhugataan samay par kiya hai. Aapko pata naheen chal pa raha hai ki loan khaarij hone ki kya vajah hai. Baad mein aapko pata chalta hai ki lo kredit score ke kaaran aapki eplikeshan khaarij hui hai. Yah kredit score sibil, eksaperiyn ya ikvifaiks jaisi kredit infaurmeshan companiyaan taiyaar karti hain. Kredit score se aapki loan lene ki kshamata ka pata chalta hai. Jyaada leindars aajkal kredit score aur kredit report par nirbhar karte hain. Bank aur loan dene waali baaki sansthaaen loan eplikeshan par vichaar karte vakt jyaada kredit score vaale ko tavajjo dete hain. Sibil ke aankadon ke mutaabik, 90 feesadi se jyaada loan un logon ko diya jaata hai, jinka kredit score 700 ya isse jyaada hota hai. Kredit kaaunsaling farm creditvidya. Com ke director aur ko-faaundar Rajiv raaj ne bataaya, 'Aamtaur par loan lene vaale maanate hain ki sirf loan bhugataan ka behtar track record unhein behtar kredit score dila sakta hai. Haalaanki, iske alaava kai aur cheejein hoti hai, jo aapka kredit score tay karti hain. ' haalaanki, nishchit taur par kredit score mein sabse jyaada vetej karj bhugataan ke track record ko hi diya jaata hai. Ham aapko kredit score sahi rakhane ki kuchh vajahon ke baare mein bata rahe hain. Kai saare loan lena ya iske liye eplikeshan dena agar aapne kai loan le rakhe hanai, to samay par EMI bhugataan ke baavajood kredit score par iska asar pad sakta hai. Agar aapne kai loan ke liye sirf aplaai bhi kiya huaa hai, to aapka kredit score kam ho sakta hai. Sibil ke mainejing director arun thukaraal ne bataaya, 'Kai tarah ke loan ya kredit card ke liye aplaai karna theek naheen hai, kyonki isse aapke kredit score par negetiv asar padta hai. ' loan miks ka asantulan bank sikyord loan lene vaalon ko jyaada bharosemand maanate hain. Yas bank mein reetel banking ke senior vaais presideint maanavajeet Singh ne bataaya, 'Agar kisi shakhs ke loan portfolio mein jyaada anasikyord loan hai, to bank ismein saavadhaani baratate hain. Unke mutaabik, parsanal loan ya kredit card svaaip karne ke bajaay auto aur gold jaisa sikyord loan lena behtar hota hai. Haalaanki, jaankaaron ke mutaabik, sirf kredit score badhaane ke liye sikyord loan lena bhi theek naheen hai. Kredit score kaise behtar karein ? Abhaya kredit kaaunsaling center ke cheef kredit kaaunsalar vi N Kulkarni ne bataaya , ' behtar kredit score ke liye hamesha sikyord loan lena chaahiye. Kredit card aur parsanal loan par nirbharata kam se kam honi chaahiye. Agar aap sahi samay par kredit card ki bakaaya raashi ka bhugataan naheen kar paate hain , to bank se anurodh kar is loan ke bhugataan ke liye kist banava lein. Kist ka bhugataan karne se aapke kredit score sudharane lagega. Saath hi , jis loan ke liye aap gaarantar bane hain , us par bhi najar rakhein. Agar koi joint account hai , to use par har maheene check karna jaroori hai. Ant mein kredit report ki niyamit taur par checking se aap sibil ya baaki kredit infaurmeshan companiyon ko kisi bhi tarah ki gadbadi ke baare mein saavdhaan kar sakte hain.

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