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A Diwali clean-up for your credit report
After the festive season, pull your full CIBIL report, spot the footprints Diwali left behind, dispute the errors and follow a 90-day plan to a cleaner file.
Why Your CIBIL Score Is Stuck and What Moves It
Paying on time but the score will not budge? A teacher's walk-through of the five reasons a CIBIL score gets stuck, a table to diagnose yours, and a six-month plan to restart movement.
How Often Should You Check Your CIBIL Score, and What to Look For
Checking your own CIBIL score never lowers it. Learn the monthly rhythm that catches errors in time, what to scan in the report, and when an extra check is worth it.
What Is a Credit Utilisation Ratio and Why Does It Matter?
Learn what your credit utilisation ratio is, how to calculate it, why CIBIL cares, the statement-date trap, and simple ways to keep it under 30%.
