जब आप किसी bank या किसी NBFC से लोन लेने के लिए जातें हैं , तो सबसे पहले आपका credit score पता किया जाता हैं |

[{"selector":"#anim-426b76db-1ec9-48d0-a94c-6915cf5c415c","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-53bca619-2086-49af-aaa9-fb37f80315dd","keyframes":{"transform":["translate3d(0px, 299.16377%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] आपकी Income के साथ-साथ आपका credit score भी अच्छा होना चहिये | आपको लोन दिया जायेगा या नहीं , ये credit score पर ही निर्भर करता हैं | Designed by Freepik

[{"selector":"#anim-7acf85c7-bde9-489f-b7bd-cee007bb0c3e","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b07e2cb7-61a9-406c-aa98-715a9984d12e","keyframes":{"transform":["translate3d(0px, 295.98103%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] इसलिए इन slides के माध्यम से हम समझेंगे, की क्रेडिट स्कोर क्या होता हैं, और कैसे आप इसे ठीक कर सकतें हैं | लेकिन उससे पहले ये समझतें हैं क्रेडिट स्कोर होता क्या हैं ? Designed by Freepik

Credit score क्या हैं ?

[{"selector":"#anim-37b23dc6-658f-4acc-b6f3-63211212f315","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4cb4fb47-efe5-413a-badc-2bf198eadfdc","keyframes":{"transform":["translate3d(0px, 291.97519%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-62c632e8-3cb7-43ae-96a6-d15abd9631f3","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9c5b71ff-9f18-42ea-ac03-4b4584b4303d","keyframes":{"transform":["translate3d(109.82659%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] क्रेडिट स्कोर को CIBIL Score भी कहतें हैं | क्रेडिट स्कोर 3 अंको की संख्या होती हैं, जो की CIBIL संस्था द्वारा तैयार की जाती हैं | Designed by Freepik

[{"selector":"#anim-673ab93a-fb60-4dc9-b24f-73e62b327bce","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-cc2ad2cb-5e1e-48dd-8eeb-fdb7df095809","keyframes":{"transform":["translate3d(0px, 289.59801%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] CIBIL Score आपके द्वारा लिए गएँ लोन ( credit card, home loan, personal loan ) का record रखना, और उसे चुकाई जाने वाली प्रक्रिया के आधार पर बनता हैं | Designed by Freepik

[{"selector":"#anim-af520771-0f4e-432a-9dc9-732255476c3f","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-25264930-bd3a-4b1d-8cb8-ac16a1e043b8","keyframes":{"transform":["translate3d(0px, 249.31776%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] आपका CIBIL Score जितना ज्यादा होगा, आपको लोन मिलने में उतनी ही आसानी होगी, बजाय इसके अगर आपका CIBIL Score कम हैं, तो आपको लोन लेने में कई दिक्क्तें हो सकती हैं | Designed by Freepik

[{"selector":"#anim-c9243b1a-8794-431b-8ba5-6de8c10558b4","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-bc35f3b4-a36a-4710-bcc9-dad70ba3574e","keyframes":{"transform":["translate3d(0px, 302.36398%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] आपकी जानकारी के लिए बतां दें, एक अच्छा क्रेडिट स्कोर 700 के ऊपर माना जाता हैं | अब समझतें हैं , की आप कैसे अपने क्रेडिट स्कोर को Improve कर सकतें हैं | Designed by Freepik

1. समय पर भुगतान करें

[{"selector":"#anim-546bbd7e-844b-49be-9e32-d3f7b93684e1","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2c498090-2bef-48fa-adfe-9dacb8a853e1","keyframes":{"transform":["translate3d(0px, 180.36396%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-58fe59be-6a76-4605-bf82-0c1426f569a1","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a8ef9b85-81af-49a6-87e4-f711ba6ef3fd","keyframes":{"transform":["translate3d(108.49859%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] समय पर मासिक क़िस्त का भुगतान न करना, आपके क्रेडिट स्कोर को बुरी तरह प्रभावित कर सकता हैं | समय पर भुगतान करने से न सिर्फ आप penalty से बच जातें हैं, बल्कि इससे आपका क्रेडिट स्कोर भी अच्छा रहता हैं |

2. अपनी credit report में कमियों की जांच करें

[{"selector":"#anim-3d2b1d6d-d547-4f7c-812e-b39b4a8c67a2","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-cc2ae605-6202-4736-8670-9d8305880471","keyframes":{"transform":["translate3d(0px, 180.01952%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4286b829-ebc4-4e76-b6b0-88b08b922d29","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-bbf4b962-bc48-4b5d-afc0-3e47fa83e312","keyframes":{"transform":["translate3d(118.15181%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] कई बार ऐसा होता हैं, की आप लोन का भुगतान कर देतें हैं , लेकिन फिर भी ये कई प्रशासनिक कारणों से active रहता हैं | आपको ऐसी कमियों को ध्यान में रखकर तुरंत उन्हें ठीक करना चहिये |

3. क्रेडिट कार्ड बिल का समय पर भुगतान करें

[{"selector":"#anim-2c7ac5dd-e7a2-4549-adeb-629374a45c75","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e4b58cad-8f5c-4533-96d6-b68e177cf725","keyframes":{"transform":["translate3d(0px, 155.36395%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8193fa07-3993-4c66-bb8f-77f9583ac9de","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-67b6a68f-5d78-4d28-9c34-617bd15870d0","keyframes":{"transform":["translate3d(118.15181%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] क्रेडिट कार्ड का इस्तेमाल जितना हो सकें उतना कम करें | इससे आप अपने क्रेडिट कार्ड बिल का भुगतान समय पर कर पाएंगे | आपकी जानकारी के लिए बता दें , क्रेडिट कार्ड unsecured loan की श्रेणी में आतें हैं |

4. सिक्योरिटी कार्ड प्राप्त करें

[{"selector":"#anim-36316392-ad45-4ebb-a1d7-93e7f3ed42a6","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7e35815c-b71f-4b20-b351-5559817773ac","keyframes":{"transform":["translate3d(0px, 315.80601%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-633d537f-adcf-4f52-9005-420d56dfb889","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6bcecc21-b5e4-40b0-a18d-362d6169b59b","keyframes":{"transform":["translate3d(120.46204%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] इसका अर्थ हैं, fixed deposit के बदले क्रेडिट कार्ड लेना, इसका इस्तेमाल करके आप अपनी Monthly EMI समय पर चूका सकतें हैं | Designed by Freepik

5. एक समय में कई लोन लेने से बचे

[{"selector":"#anim-5ca007ea-c3d5-4955-84ba-06c7e611a3f0","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-289f12a1-c490-4dca-ab69-0289a70a5492","keyframes":{"transform":["translate3d(0px, 228.95974%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-fa957057-d5eb-4ac4-9c49-3910ae0551db","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5ae6fddb-3b6e-4b67-a5a0-d065a3d76961","keyframes":{"transform":["translate3d(120.46204%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] एक साथ कई लोन न लें , जैसे ( Home loan, personal loan, Auto loan ). ऐसा करने से आपकी कोई Monthly EMI छूट सकती हैं , और आपके क्रेडिट स्कोर को प्रभावित कर सकती हैं | Designed by Freepik

[{"selector":"#anim-c5399b2d-2153-421a-a55d-c6884ba4dd04","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f25d0b54-e345-4e85-a395-5fd679a5dc19","keyframes":{"transform":["translate3d(0px, 346.14184%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] एक बार में एक ही लोन लें , और उनका समय पर भुगतान करें | ऐसा करके आप अपनी क्रेडिट स्कोर को और भी बेहतर बना पाएंगे |