- HOW IT WORKS?
- Credit Score & Report
- Credit Bureaus
Credit information of an individual plays a very important role nowadays. It is required to facilitate an individual to buy things of necessities like a car, a house etc. These things can be bought by taking a loan which is promised to be repaid at a later point of time in future. Therefore, it is crucial that an individual qualifies for the loans that you are planning to take up for the purpose of financial assistance.
The credit information of an individual is the factor that decides whether a particular loan will be given to that individual or not. If an individual has maintained good credit then it indicates that their financial condition is good and they are creditworthy individuals who are financially stable.The interest rates for loans can vary from one person to another, and the reason for this variation could be different always.
How Will Creditseva Help You
By signing up on Creditseva, you can not only get your credit report instantly within a couple of minutes, but also get an analysis of the credit report. If you check your credit score, you will be able to plan and manage your finances better.
Guidelines followed by the lenders
1. A change in the credit information of an individual also brings about a change in the score of that individual.
2. If you have a low score, it does not mean that you are surely going to get disqualified for a loan.
3. If your credit score is better, the rate of interest charged to you will also be better.
Credit Information Report
The CIR plays a prominent role while the lender is taking the decision of lending to the borrower. Therefore, it is very important that an individual monitors the CIR on a continuous basis. It should be made sure that the credit information is updated and free from all errors.
Contents of Credit Information Report
A Credit Information Report includes the information about an individual’s credit accounts and the specifics of credit applications that have been made by the individual. It consists of complete information related to an individual’s credit as well as loan history. It also includes the information that is related to the loans, their payments, credit cards and recently made enquiries. You can get the Experian Credit Information Report after the payment of the necessary fees. The lenders who do a credit check via Experian can also get access to this report.
Credit Score and Credit Information
The credit score, as well as the credit information, is determined by Credit Information Companies (CIC). CIC are those organizations that are have been given an authority by RBI to analyze the credit information of individuals and businesses.
- TransUnion CIBIL
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