Credit Score

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.

How to shop big this Diwali without hurting your credit score

Festive splurges can be fun, but careless borrowing may dim the lights on your financial health.

Buying the iPhone 17 on EMI? Here’s how it affects your credit score

Splurging on the latest iPhone can be tempting, but if you’re swiping your card on EMI, it’s worth knowing how it plays with your credit score.

How to build a sustainable credit score that lasts a lifetime?

Your credit score is like your financial reputation—it follows you everywhere, so it pays to keep it healthy.

Credit limit increases: How they impact your credit score and financial health

Increased credit limits are beneficial if you handle them responsibly, but they also carry peril that is in overspending.

One day late: How much impact does it really have on your credit score?

Even small delays in payments can affect your credit health, but the extent depends on several factors.