जब भी आप लोन लेने के लिए जातें हैं, तो सबसे पहले आपका क्रेडिट स्कोर पता किता जाता हैं | आपको लोन दिया जाएगा या नहीं, ये आपके क्रेडिट स्कोर से पता चलता हैं| आपको कितना लोन दिया जायेगा यहाँ तक की , किस ब्याज दर पर लोन दिया जायेगा , यह भी क्रेडिट स्कोर ही तय करता हैं | Designed by Freepik

[{"selector":"#anim-83e297f6-50b4-489c-aa18-935b10a098f0","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a26bbe79-db87-4d28-ba51-f15a1af0b7e2","keyframes":{"transform":["translate3d(0px, 231.08743%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] क्रेडिट स्कोर का अच्छा होना बहुत जरुरी हैं , क्योंकि अगर यह किन्ही कारणों से खराब हो जाता हैं , तो आपको लोन लेने में कई दिक्ततों का सामना करना पड़ सकता हैं | Designed by Freepik

[{"selector":"#anim-e72c2844-5f8e-413e-b6cc-06888aea2cfd","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-255c413f-3b4e-4d04-875e-8a4f5ddd21c3","keyframes":{"transform":["translate3d(0px, 187.26052%, 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 कौन से गलतियों की वजह से आपका क्रेडिट स्कोर खराब होता हैं , ताकि आपको लोन लेने में कोई दिक्कत न हो , लेकिन उससे पहले समझतें हैं , की क्रेडिट स्कोर होता क्या हैं ? Designed by Freepik

Credit Score होता क्या हैं ?

[{"selector":"#anim-d8213931-c016-4724-8efd-48386462d325","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6230a187-a6ad-4b71-a680-c4a4c49ae70c","keyframes":{"transform":["translate3d(0px, 216.19383%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-40ab3604-ee39-498d-b768-d064bad3c167","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2b137673-7a78-42d7-a5c2-c3f8910905ce","keyframes":{"transform":["translate3d(112.92307%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Credit Score को CIBIL Score भी कहा जाता हैं | यह 3 अंको की संख्या होती हैं, जो की 300 से 900 के बीच में होती हैं | यह संख्या ज्यादा होने का मतलब हैं आपका Credit Score अच्छा हैं | Designed by Freepik

[{"selector":"#anim-d4c83045-5342-4011-8dfa-bb8fdb676524","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b38ea184-73d4-485a-95d5-94bb75602403","keyframes":{"transform":["translate3d(0px, 222.57678%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Credit Score " CIBIL संस्था " द्वारा तैयार किया जाता है | यह आपके द्वारा पहले से लिए गए लोन और उस को चुकाने के लिए अपनायी गयी प्रक्रिया के आधार पर तैयार किया जाता हैं | Designed by Freepik

किन कारणों से होता हैं , Credit Score खराब

[{"selector":"#anim-aa3967d3-128b-4e84-b917-712170ce8ac8","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3bf0c756-e6c4-45f7-b3ad-2ca6a40cc631","keyframes":{"transform":["translate3d(0px, 188.53426%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b2155610-6372-4c25-a69a-8d86a5967454","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-72e9af00-9b84-43d6-9291-638c5f43d18b","keyframes":{"transform":["translate3d(-106.84931%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-55c241e5-1ec0-49db-82e0-28bbe0e40df2","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-493068c7-0c3c-4edd-8567-d6883b32b1e1","keyframes":{"transform":["translate3d(112.50000%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Payment history आपके Credit Score का 35 % होती हैं, अगर आपकी Payment history सही नहीं हैं , तो आपका Credit Score खराब हो सकता हैं Designed by Freepik

[{"selector":"#anim-6ca7df4e-3624-48c0-8cb5-ff5720e3c396","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-09434ddf-86c6-4143-b6ac-e6b7160de9c8","keyframes":{"transform":["translate3d(0px, 211.93851%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] इसलिए जरुरी हैं, की आप अपने बिलों का समय पर भुगतान करें | इसके लिए आप Reminders या Due date से पहले auto debit की facility भी set कर सकतें हैं | Designed by Freepik

2. कई Unsecured loan लेना

[{"selector":"#anim-57dc4a20-9900-434c-8b18-8c26e83e9751","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-169fd76d-ee1d-4157-abef-460a65da3831","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-755290c3-b736-4dce-ac07-c9fcf29b3fc3","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f856f1a6-5c0f-4f1f-9c1b-ea78defa25ca","keyframes":{"transform":["translate3d(105.39084%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] कई Unsecured loan जैसे ( credit card, personal loan ) इत्यादि, आपके Credit Score पर Negatively impact डालतें हैं | इसलिए जरुरी हैं , की Unsecured loan और Secured loan के बीच balance बनायें रखें | Designed by Freepik

3. Credit Utilization ratio ज्यादा होना

[{"selector":"#anim-24094949-990c-49b9-99e2-2e72b98d33a7","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7fd060e4-e136-41af-acba-eb7c0a305a0b","keyframes":{"transform":["translate3d(0px, 194.91721%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-14f2cd45-fbf1-4353-aee4-cd7ca2a01e01","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-fabfd3fb-131c-4a5c-929a-1f2efaec863c","keyframes":{"transform":["translate3d(105.66038%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Credit Utilization ratio बताता हैं , आप एक particular time period अपनी credit limit का कितना percentage of credit उपयोग कर रहे हैं | Designed by Freepik

[{"selector":"#anim-ac0234d6-f7df-42b1-86b6-be3cd7b48ed8","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-de999d99-9c81-4756-a6e9-beaacc2eeaa3","keyframes":{"transform":["translate3d(0px, 258.64191%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] आपका Credit Utilization जितना कम होगा, आपका credit score उतना ही बेहतर होगा| इसके लिए आप इसे 25-30 % के बीच रख सकतें हैं | Designed by Freepik

4. कम या कोई credit history न होना

[{"selector":"#anim-7e673b25-8be3-45bc-930b-c0796ada7357","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ed5e97d7-6875-43b7-8ca1-d3de926d2b51","keyframes":{"transform":["translate3d(0px, 198.10872%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-39062a8f-4930-4da8-a2c9-94897f6d37d7","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d0769016-e3bc-40e1-8a69-3a68f520ed97","keyframes":{"transform":["translate3d(115.23810%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Credit history आपके credit account open करवाने से लेकर वर्तमान तक का समय होता हैं | एक लम्बी credit history का होना, आपके credit score पर एक अच्छा प्रभाव डालता हैं | Designed by Freepik

5. Multiple credit inquiry करना

[{"selector":"#anim-5b86bc74-7415-4f4e-b2bb-a33150893486","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e45381be-999f-41e6-b14e-09e2eece27be","keyframes":{"transform":["translate3d(0px, 198.10872%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a3b8ed9b-4e87-42b1-ba1b-89b3611eaa38","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f718538c-7316-46c9-b838-642f34615016","keyframes":{"transform":["translate3d(107.18232%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] एक समय एक से ज्यादा credit inquiry आपके credit score पर नकारात्मक प्रभाव डालती हैं | एक lenders के दृष्टिकोण से यह आपको लोन के लिए भूखा बना सकता हैं | Designed by Freepik

6. पुराने credit card बंद करना

[{"selector":"#anim-c3ffac91-f8da-4b46-9989-8357358aec88","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-75d43d69-a5d5-47e9-9ca4-8ee46ffbd1a0","keyframes":{"transform":["translate3d(0px, 204.49168%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ad32ac27-8845-408a-a575-45162d03800d","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-101d78e7-72f4-497f-88b2-e4e114a7e9a2","keyframes":{"transform":["translate3d(107.18232%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] अगर आपके पास पुराने credit card हैं, तो आपके पास एक लम्बी credit history हो सकती हैं | अगर आप इन्हे बंद करवातें हैं, तो आप एक लम्बी credit history खो सकतें हैं | Designed by Freepik

[{"selector":"#anim-b35a12ca-5fa5-45e6-86f7-c98cde3d9aec","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a3da58f8-962c-43c5-aa73-bbcb505c205f","keyframes":{"transform":["translate3d(0px, 258.64191%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] इसलिए जहाँ तक संभव हो सकें, पुराने credit card बंद करवाने से बचें | इससे आप के credit score पर नकारात्मक प्रभाव पड़ता हैं | Designed by Freepik