Credit Score

A recent change in RBI rules means home loan borrowers with improved credit scores no longer have to wait three years to ask their bank for a lower interest rate.

Why your credit score matters more than you think — from your 20s to your 60s

A practical look at why your score starts mattering long before you plan a home loan — and continues to matter long after you think you’re done borrowing.

How to plan a big fat wedding without ruining your credit score

A simple guide to planning wedding spending without harming your future creditworthiness.

Want to boost your credit score? Your credit mix might be the secret

Having different types of credit isn’t just about borrowing—it’s about showing lenders you can handle money smartly and responsibly.

When a great credit score isn’t enough for a loan approval

Banks look beyond your credit score — from job stability to income mix — before trusting you with new credit.

No credit score? No problem! Here’s how you can still get an education loan

A practical guide to securing funding for your studies even without a strong credit history.

Buy now, pay later: How BNPL influences your credit score

Understand how short-term credit apps affect your borrowing history and future loans

Small moves, big impact: Keep your credit score over 700

A high credit score helps you qualify for loans faster, get lower interest rates, and access higher credit limits. Here’s how to maintain it consistently.

How to spot and fix credit report errors before they hurt your score

A clear, step-by-step guide to spotting mistakes in your credit file, getting them corrected and protecting your financial health.

Can you really boost your credit score in just 30 days? Here’s the truth

A realistic look at what improves quickly, what takes time, and how to use the next month as a clean reset.

Credit limit increases: When to accept, when to decline, and how they affect your score

A higher limit can lift your credit score—or lure you into costly debt; here’s how to decide wisely.

Thinking of closing a credit card? Here’s how to do it without hurting your score

Shut a card the smart way—protect your utilization, preserve history, and keep lenders seeing a long, stable track record.

How paying EMIs on time boosts your credit score

Consistent, timely payments show lenders you’re dependable — and that trust translates into a higher score.

How a credit freeze can shield you from identity theft

Locking your credit report may sound extreme, but it’s one of the smartest ways to stop fraud before it starts.

Why a high credit score is worth more than you think

Beyond easy loans, a strong credit score can open doors to better deals and unexpected perks.

What can lower your chances of getting a personal loan approved

Even with a steady income, these common mistakes can reduce your loan eligibility and delay approval.

Why your loan can be rejected even with a high credit score

A good score helps, but lenders look beyond numbers — your income, job type, and existing loans matter too.

Why maxing out your credit card can hurt your credit score

Using your entire credit limit might feel convenient, but it can quietly drag down your score and financial reputation.

Rise of hyper-personalised credit score advice: Is it the right fit?

Fintech apps now offer tailored tips to boost your credit score, but the real question is—should you trust them?

What is the impact of your income on your credit score? | Explainer

Your income might decide your lifestyle, but does it affect your credit score too? The answer isn’t as straightforward as you might think. Let’s break it down and understand how income plays a role — directly or indirectly — in shaping your creditworthiness.

Planning to raise a personal loan this festive season? 7 key points to remember

Before you apply for personal loan, it’s important to be aware of key factors that can help you borrow smartly and avoid surprises.

How to repair your credit and rebuild financial confidence

Repairing your credit takes patience, discipline, and the right steps—not quick fixes.

How to bounce back and rebuild your credit score after money troubles

A few setbacks don’t define your financial future — with steady habits, you can restore your score and regain lenders’ trust.

Does a high credit utilisation ratio hurt your credit score?

Using more than 30 percent of your card limit regularly can drag your score down—here’s how to fix it.

Does closing a credit card hurt your credit score?

Closing a credit card can impact your credit score in more ways than one, depending on your overall credit profile and usage.