CIBIL Score कैसे बढायें - How to Improve CIBIL Score?
ฝัง
- เผยแพร่เมื่อ 8 มิ.ย. 2024
- How to improve your CIBIL Score? CIBIL Score Kaise Badhaye? CIBIL Credit Score can be increased by following 7 tips discussed in this hindi video. First we will understand why CIBIL score drops and then we will learn about steps to repair CIBIL Score or Credit History. Sign-up to our new app for discounts and early access: ✔ assetyogi.com/sign-up/
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CIBIL Consumer Dispute Resolution:
www.cibil.com/consumer-disput...
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Time Stamps
00:00 Introduction
01:42 Why CIBIL Score Drops?
08:09 Tips to Improve CIBIL Score
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Loan with low CIBIL Score: • Loan with Low or Bad C...
What is a Good CIBIL Score: • Good CIBIL Score - Hindi
How to read CIBIL Credit Report: • CIBIL Report - Explain...
As a first step you should check your Credit Report and see all open accounts & related defaults in payments. Then follow the given tips to increase your CIBIL Score.
अपने CIBIL स्कोर में सुधार कैसे करें? CIBIL स्कोर कैस बढ़ाएं? इस वीडियो में 7 ऐसे टिप्स बताये गए हैं जो आपको अपने CIBIL क्रेडिट स्कोर को बढ़ने में मदद करेंगे। सबसे पहले हम समझेंगे कि CIBIL स्कोर कम क्यों होता है और फिर हम CIBIL स्कोर या क्रेडिट हिस्ट्री को कैसे रिपेयर किया जा सकता है ये समझेंगे।
सबसे पहले आपको अपनी क्रेडिट रिपोर्ट की जांच करनी चाहिए और सभी ओपन एकाउंट्स और उनमे हुए पेमेंट डिफॉल्ट्स को चेक करना चाहिए। फिर अपने CIBIL स्कोर को बढ़ाने के लिए इन दिए गए सुझावों को अमल में लाना चाहिए।
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In this video, we have explained:
How to improve CIBIL score?
How to increase CIBIL score?
How to maintain a good CIBIL score or credit score?
How CIBIL credit score can be increased?
Why CIBIL score drops or decreases?
How credit history, credit mix and duration, leverage affects the credit score?
What are the reasons for the decreased or low CIBIL score?
How loan defaults affect the CIBIL score?
How exceeding credit card limit can negatively affect the CIBIL score?
How to calculate the credit limit?
How to avoid things that can leave a negative impact on CIBIL score?
What is the best way to increase CIBIL score?
What can be done to increse the credit score faster?
How ECS can help to increase credit score?
How to handle disputes and fraudulent transactions to improve CIBIL score?
How taking multiple loans in a short period of time leave a negative impact on CIBIL score?
How to completely settle a credit card?
How alternative loans can help you to improve credit score?
How you can improve credit score by using a credit card against security?
How often should you check your credit score to avoid any discrepancies and inaccuracies?
How long does it take to see improvements in the CIBIL credit score?
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Hope you liked this video in Hindi on “How to Improve CIBIL Score in 2018”. - แนวปฏิบัติและการใช้ชีวิต
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यह सबकुछ स्कूल और कॉलेज मे भी सीखाया जाना चाहीये. ❤
नमस्ते सर
आप बहोत detail से समजाते है अभी ओर मुझे यकीन हुवा की finaly मुझे मेरा fainscial गुरु मिल गया
धन्यवाद जी
Dhanywaad :)
Very well explained 💯💯 best video on TH-cam
Very nice and useful information.. thank you for your hard work...
Very helpful, the part on Credit Card against FD to improve Credit Score is informative. Thanks!
Bhai hdfc wale nahi de rahe hai fd pe credit card maine 1 lack ka fd kiya par in kamino ne email karke kaha ki tumhara cibil sahi nahi hai
CIBIL improve krne me secure loan our credit card against FD ka bhot bada haath hota hai
Beautifully described Sir. Very informative. 👌🤞☺
Thanks a ton
I first time check my cibil score..all steps is correct ,Thanks Sir
Full postmardom of civil score problem....tysm sir🙏
Very informative, sir. Thanks much.
Very welcome
Very helpful video...thanks for that.
Thanks for such a great information...
Glad it was helpful!
Maine apka vedio dekha aur apna cibil score sahi kr liya. Aur aj mujhe credit card mil gya. Thnxxxxx you sir
Great to hear that :)
@@AssetYogi kitna time laga cibil improve hone ke baad
great sirji..eye opener too...nice job done bro
THANKS, DARUN DARUN, MANY MANY THANKS
Proper accurate information...👍🏻
Thanks 🙂
Great knowledge provide by you..
Feeling so happy....
Thanks sir jiiii
I hope this will be useful
Good information. Thank you.
Thanks 😊
Good tips sir ji ! It will help me a lot....
Thnx video bnane ke liye
hello sir, please suggest as to whether we should buy laptops etc on emi's / zero %emi from various banks such as bajaj finanserv.does it affect our credit history in any way.
Yes it will improve CIBIL Score if you pay EMI on time for this Loans
Very knowledgeable thanks sir helpful
Thanks Raj :)
Bhut khoob sir 👉👉👉
Sir you are awesome 👍 thanks
Thank you so much sir,it will be very helpful to us.please send link for reporting inaccuracies to CIBIL-consumer dispute resolution
Thank you sir very much
Sir agar maine credit card ka emi kiya hai aur uska bhi 4/5 din pay karne ke liye lete hota hai to kya cibil score kam hota hai.
Pls explained.
Bhai in every video ask to watch it till the end... buddy you dont have to mention that.... your videos so much informative that I doubt someone will leave in between..Even I am planning to watch all videos on your list but your pace of making videos is faster than I can watch... :)
Thanks for your kind words Trivender. But many people watch the video for the first time :)
The reporting date of Banks/NBFCs should be expedited from month-end to 3 days of a financial transaction, such as, payment of EMI, closure of a loan account, issue of NOC, etc.
The assessment of credit history of an applicant should be 3 years and less because, even though the financial standing of an applicant improves, the backdated data used by CIBIL will be an unnecessary drag on the applicant. The CIBIL assessments and grading with scores should change faster and should not be valid for more than 3 months, because although the score and comments are assumptions of CIBIL, the Bank/NBFC should make its own assessment and take a wise business decision while considering an application for a loan. The Banks lose business on excessive dependence on CIBIL score, which is outdated in most of the cases. CIBIL scores are misused by Banks by not sanctioning loans to the needy people and under-financing business, trade and industry, thereby pushing loan applicants to worsening financial scores.
Your lecture in this video puts the onus on the loanee to enquire his financial status and rectify his CIBIL score; you are totally silent on the extremely slow reporting system in a computerised environment.
Times are fast changing, but you are promoting the back-dated systems in CIBIL.
The Indian economy is changing rapidly. CIBIL is a drag on the economy. The Banks should be more dynamic and speed-up financing and display better Balance Sheets. The people should have speedier access to loans from Banks at lower and viable rates of interest.
Thanks for your service
Great information sir thnx
Sir aapke video se bahut knowledge mila.aapke video me dam hai
Thank you so much
Thanks for appreciation 😊
@@AssetYogi apka contact number
Very informative and clear
Keep learning 😊
Aap ne bahut achha samjhaya thank you
Very helpful information.Thank You Sir...
Most welcome
Great information..well explained sir 👍💯
Keep watching
@@AssetYogi sir credit score check karne se cibil down hoga kya? Maine cibil purchase kiya hai 6 months ke liye
Thank you for the excellent video. I always paid my credit card bills on time but in the past I had missed paying the annual n joining fees unknowingly that it impacts my credit score. Except that I always have paid my credit card bills on time n in full. Can you please suggest how to rectify that.
Do I NEED TI GET AN NOC FRON BANK ?
@Laurie Vickye I need help for one settled account for CIBIL score?
बहुत खूब सर
बहुत अच्छा लगा आपका वीडियो धन्यवाद
Thanks Narendra.
Very very very much Informative sir
Excellent Knowledge you have Sir
Keeep on Sharing Good n New Things.....
Very nice information, appreciate for nicely update.
Always welcome
Very useful video, thanks
Keep learning Mandeep
Very deep & Right , good information👍
Thanks Pravin
Sir . Your best my pleasures I subscribed you...
Very honest and to the point informations.... Thank you ☺️
Hope it's helpful 😊
😮supar informetion❤
Thank you very much sir
Sir, make a video about how to file a CIBIL dispute. I'm stuck with a lot of things I don't understand while raising a dispute. Thanks. One of my card's limit is shown as Zero, so raising a dispute.
You are a star, The infrormation you provided is really helpful for everyone.
Keep learning 😊
@@AssetYogi Sir, I became just few 2 months ago.
And haven't took any loan, what should I do, to achieve highest possible CIBIL.
Great. Thanks a lot
Most welcome!
Very helpful !thanks
You're welcome!
sir thank you so much.
giving so much impart information.
Keep supporting Subash :)
Thank you sir. for giving so much impart information.
Hope its helpful 🙂
@@AssetYogi 44
@@AssetYogi 444
Bahut khub sr ji
Important information.thank you
Welcome
Awosome video good information full knowledge👍
Thanks a lot
Hello Sir. It was an impressive vdo on improving cibil score. My question is it mandate to close a savings or salary acc made by mistake where negative balance shows up ? Does it affect the cibil score ? Please reply on it ..
It's better to close it and no it doesn't affect your cibil
Thanku So Much.........,Dear Sir I M Very Impressed .... Bhaut Hi Asan Lafjo me Samjhaya hai Aapne ...
Thanks Shafeeq.
Nice suggestion thanks
Welcome
Thank you so much for educating us......!
Thank you for appreciation Anil 😊
Dear sir, I need some suggestions from you. I taken a product loan from zestmoney and I paid all emi but my payment status is not good for my bank account problem. I paid my last emi 2 month ago. And cleared my all emi but zestmoney not close my account. And also zestmoney updated my cibil report as a default account. Many times I send mails and also called zestmoney customer care but not solved.
Mail to RBI
Smarty looking Speaking and presentation.
Thanks. I have checked free my cibil score
अगर कोई finance कम्पनी आउटस्टैंडिंग ना होने के बावजूद भी cibil में balance दिखाये, वो भी clear होने के कई वर्षों बाद तक, तो क्या उस company को कोई fine लगाने का प्रावधान है। या उस व्यक्ति को कोई benefit पीड़ित के तौर पर मिलेगा। क्योंकि company बहुत बड़ी होती है और एक व्यक्ति Loan लेकर अपना मेहनत करके Loan को ब्याज सहित उतरता है। लेकिन देखा गया है कि कुछ कंपनियां cibil में balance दिखा कर cibil खराब कर रही है।
उनको जुर्माना लगा कर पीड़ित को कम से कम1 करोड़ का मुआवजा मिलना चाहिए।
Thank you sir🙏
Hope it helps sandeep :)
@@AssetYogi yes
Many many thanks
Most welcome
Thanks for this....
My pleasure
Sudam Ghosh - very informative. But please remember in case of Compromise or Settlement of any loan, the banks do not deal in a positive manner to build future financial relationships.
Glad you found it informative 😊
Ajay Kumar
Can we get a loan after settlement of a loan coz after such activities civil score declines
@@shivankigupta3562 1tly u have to changed settled written in cibil into closed
I'm right information sir
Very helpful SIR.....SUPERB....
Thank you so much 😊
Fantastic video bunch of knowledge
Hope it's helpful 😊
Thank you sir. Your videos are always informative.
My pleasure
Buraa mat maanana,yahan bank waale middle class aur garib ka cibil check karte hain poonjipatiyon ko bank ki taraf SE SAU KHOON MAAF, tabhi to mallya aur neerav modi ARBO RUPAY lekar FARAAR HAI AB KAHAN GAYA CIBIL
Bilkul sahi bole bhai
matka abhi Right sir
Kab tak Dega is prashn ka Uttar
Right
बिल्कुल सच्ची बात। इन लोगो ने उन पूंजीपतियों को लोन देने में कोई संकोच नही जिनका cibil750 से कम है या इससे भी बहुत कम है। लेकिन एक middle class को Loan देने के लिए उसकी balance sheet में हज़ारों नुक्स निकाल देते है। इस बात का भी सर्वेक्षण होना चाहिए कि जिनका cibil score कम है उन्हें Loan क्यों दिया जाता है। जबकि अच्छे cibil वाले को मना कर देते हैं।
Even though cibil score is above 750 sometimes, cibil report shows od, then after referring to previous loan track only financer approve will the loan.
Thank you so much sir......Great info
Most welcome
Beautiful video सर
Very useful information Assetyogi, Very important topic for every working person
Shuja Ranjan
Shuja Ranjan hy
Bahut ache se samjaya apne cibil score k liye. Thanks lot sir
bad hindi language 😂
बहुत बढीया जानकारी सरजी
Thanks
Bahut badiya ji
Thanks Arif :)
All questions answered in one video. Thank you 🙏
Thanks Nitin
Really nice video... 1 query
If lender doesn't revert to cibil regarding disputes..
Then what is the next course of action...
Even if your scores are fair banks are ready to provide you loans at a bit high ROI... Don't give shitty info.... Haar jagah setting hoti hai...
@@pratyushusgaonkar8765 CmvxbvvzVNZvzmzmvzzmzzZvVB
Superb information sir... 👌👌👌
Thanks
1st of all thank you for making such kind of videos. It really help us to understand thing better. Please make a over the right's in banking ex. Set off, subrogation etc etc.
Is there a possibility of paying off my credit cards in full post settling the credit cards? See I have settled my Citi Bank Credit Card for 45k instead of paying total credit limit of 62k. And in my CIBIL report the Citi Bank credit card is showing as settled/written off. Now, I want to pay the rest of the amount (62k - 45k = 17 k plus any interest charges if any) Can I pay off that amount? Asset Yogi, Please give me guidance for this and where should I contact for my closed or settled credit card?
Yes..possible
Very nice videos always.... Very clear and easy information sharing
Thanks, hope it helps
Bahut accha sir ji
Dhanyawad Santa :)
How bank will know my current salary? If I am using a credit card from a very longtime and not submitted my current salary slips?
Hi
I just want to know I have a two wheeler loan and there is some discrepancy in my loan so I raise a dispute in cibil after that they mention writeoff post setteled so can you please mention which is a positive write off flag mean to say it's should be write off, write off settle,clear excisting or etc etc
All are negative for accessing to credit
Bhai thanks for share useful information.
Thank you very much Sir 💐💐💐🙏🙏🙏
Most welcome
CIBIL 836, My credit limit 44k I fully used it 44k but now CIBIL score is 786 it is true your video
Use max. 30% of limit amount and pay timely , your cibil score will increase.
@@sudhanshumech10 Ok
Sir mera civil score 680 hai mughe civil bdane ke liye kya krna chahiye
Hi sir,
In case I have missed to pay emi 2/3 times continue and Inforce/Closed loan so my cibil score get correct automatically in next 40-45 days???
Credit card bnwane ke liye contact kren 9870267366 ,9953929795 .
Thanks sir
Bhut sunder jankari
Shukriya Gurbani :)
Sir mera cibil score 632 Maine car loan liya tha aur time peh payment nahi huwa mera cibil 632 peh agaya aur maine full settlement karke pura loan clear kardiya 6 months back. still mera cibil uthna he hai mere paas credit card nahi koansa be my kaise apna cibil improve kar saktha houn plz plz bataiye....
Sir, you video is very valuable for me.
I want to know, how we can online trading & stock market.
Thanks
Welcome
Hello sir
Firstly heartly thanks for providing this imp... type of information
I have a question. Hope you will answer it..
Does more numbers of Bank account reflects on cibil score negativity
& Same q. For the minimum A/c bank balance account also(1000-4000₹)?
Shubham pandey😊
Does more numbers of Bank account reflects on cibil score negativity: NO
For the minimum A/c bank balance account also(1000-4000₹)?: Depends on bank
Don't worry it's not reflected.
Sir mera cibil score 742 hai lekin baha par 902 din ka late payment show kara raha main ab kaya karu
Bank me maximum time account frezz honi ki wajas CIBIL score me effect hota hai...???? Agar hota hai to kya recover ke chances hai..?
Freez hone k wajah se CIBIL effect nhi hota, but EMI k bounce honese agar AC freez hota hai to CIBIL effect hoga, aur recover bhi jyada kuch nhi hota. Best option EMI clear kro our koi bhi bank ka FD against Credit card lele aur wo bhi 30% hi limit use kro our waqt pe payment kro within a 6-7 months CIBIL 800+ jayega
Mera CIBIL bhi 590 tha, but maine secure loan liya 50k ka glod loan and Credit card against FD. Waqt pe repayment kiya aur 7-8 months me mera CIBIL 812 tak aaya hai.
Bring a video on impact of settled accounts on credit score
Thanks sir ji esi video dene ke liye 🙏🙏
You are welcome Hemlata.
Very good tips
Thanks a lot