How To Check Free Credit Score - क्रेडिट स्कोर on Windows Pc

How To Check Free Credit Score - क्रेडिट स्कोर

Credit score(क्रेडिट स्कोर) it's just a digital number but they more impact on your financial life.

The credit score(क्रेडिट स्कोर) is also known as the Credit score (क्रेडिट स्कोर).

Credit score(क्रेडिट स्कोर) leads your financial report on the performance of the timely payment of your debt, credit card bill, postpaid bill, or any government penalty you paid on timely basses or not?

Your credit health matters…
Your credit score is more than just a number. A better score can help unlock the things you want most —
like a new credit card or the best loan rates in the market.

Credit Score Range and What It Means
A credit score ranges between 300-900. You should always take measure to bring your credit score closer to 900. A higher credit score increases your chances of getting a good deal on loans as well as credit cards. Let’s take a look at the different credit score range:

NA/NH : In order to calculate your credit score, you need to have a credit history. If you have no credit history, your credit report will mention that your credit score is NA (Not Applicable)/NH (No History).
300 -549 : AA credit score in this range is considered as a bad credit score. It suggests that you have not been a responsible borrower and have defaulted payments and have unpaid dues.
550-649 : A credit score in this range is considered as average. You will need to take measures to improve your credit score.
650-749 : A credit score in this range is considered as good and lenders will consider offering you credit in the form of a loan or a credit card. However, you might still not be in the position to negotiate a good deal.
750-900 : With a credit score in this range, lenders will be willing to offer you a loan with cheaper interest rates. A credit score in this range also gives you the additional power to negotiate for a better deal on interest rates and credit cards with better rewards and benefits.

What Makes Your Credit Score Go Down?
It is understood that having high balances on your credit cards can significantly reduce your credit score. Apart from that, there are several other factors that can hurt your credit score:

Being late on your credit payments.
Completely ignoring your loan dues/credit card bills.
Creditors charge off accounts when credit card bills are not paid on time. The status of having your account charged off is one of the worst incidents that reflects on your credit score.
Lenders use third-party debt collectors to retrieve the loan amount from you, in case they do not receive payments. Having your account sent to collections reflects very poorly on your credit score.
Filing for bankruptcy can have a devastating effect on your credit score.
When you request to close a credit card that has an outstanding balance, your credit limit drops to Rs.0. This is similar to a situation where you have maxed out your credit card.
Closing old credit cards shortens your credit history. This has a negative impact on your credit score.
Applying for multiple credit cards or loans within a short duration makes your credit score plunge. Hence, it is advisable to limit the number of applications.
Having only one type of credit account will negatively impact your credit score. So, you should look to maintain a mix of loans and credit card debts and make consistent payments on time.
If you fail to check your credit report occasionally and fix errors, if any, your credit score can be hurt. It should be understood that credit reporting bureaus also make mistakes while creating credit reports. If you do not monitor and correct your report, it may cost you a lot in the future.

Benefits of a good Credit Score
If you have a good Credit Score, you can avail loans and Credit Cards faster and with ease. Check yours now!

Get The Best Credit Card - A good Credit Score may get you the best of Credit Cards. Get a feature-loaded card and reap the benefits.

Quick Loan Approval

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