Toh sabse pahle to hum ye jaan lete hai ki CIBIL score kya hai. Cibil Score ko Credit Score bhi kaha jata hai.
- CIBIL Score ye ek 3 Digits Ki sankhya Hai aur ye 300 se leke 900 ke beech me hoti hai.
- Ab aapka agar koi loan lena hai ya fir credit card ko apply karna hai to bank aapka Credit Score yani ki CIBIL score ko check karti hai.
- Jitni jyada aapka score yani 700 ke upar ya fir 800 ke upar to aapko bank ki taraf se loan ya fir credit card kafi jaldi mil jata hai.
- CIBIL score ka bahot important role hai aapko agar loan ya fir credit card ko apply karne ke liye.
CIBIL Score Ko check kaise kare :
CIBIL ko aapke life me kafi important role hota hai agar apko loan lena hai to aur aapka score accha nahi hota to aapko bank se loan bhi nahi mil pata ya fir credita card ko apply aap kar nahi paoge.
To agar aapko aapka CIBIL Score Check Karana hai to aapko kafi saari websites mil jati hai jiski madat aap aapka credit score ko bahot jaldi aur kafi easy tarike se check kar sakte ho.
Bahot si aisi sites hai jaha aapko CIBIL score ko check karne ke liye kuch paise dene padte hai.
But guys aapko bata du ki bahot si aisi bhi sites hai jaha se aapka CIBIL score ya fir Credit Score kafi Easy tarike ke se aapke ghar pe baithe baithe apne moblle ya fir laptop me check kar sakte hai.
Example : dekha jaye to Paisabazaar, bank bajaar aur CIBIL.com etc Aise kafi saari sites se aap aapka CIBIL score check kar sakte ho.
CIBIL score kitna hona Chahiye :
Ab aapko cibil score kitna important hai pata hi chal gaya hoga. To ab hum ye dekhte hai ki aapka cibil score kitana hona chahiye jisse aapko koi bhi bank loan de ya fir credit card de. CIBIL score aapko 300 se 900 ke beech me rahta hai par cibil jo hai 4 parts me divide hota hai jisse dekha jaye to.
- 300 CIBIL score agar aapka hai To Ise Poor mana jayega.
- agar aapka 450 ke upar CIBIL score hai Ise Average mana jayega.
- Agar aapka Score 600 hai ya fir Iske upar hai to Ise Good Kaha Jayega.
- Aur agar aapka CIBIL Score 750 se 900 Ke Beech me hai to Ise Excellent Score kaha jayega.
WHAT IS INSURANCE & EXPLAIN ABOUT INSURANCE |
CIBIL Score ko kaise Badhaye :
- CIBIL Score Ka importance ab aap sabhi ko pata chal gaya hai. To aapka CIBIL Score Excellent hona kafi important ho jata hai. Aur
- Aapka CIBIL score ko kaise badhega ye bhi aapko pata hona jaruri ho jata hai. To neeche kuch points diye huve hai jisse aapka credit score ko badha sakte hai.
- Loan ke liye aapka CIBIL score excellent hona compulsory hai.
- Agr aapne koi loan liya hai to to uski monthly installment aapko regular paid karna hoga.
- Aapke upar jyada bhi loan hone nahi chahiye aur hai bhi to koi bhi month due hona nhi chahiye.
- Agar aap kisi loan ke apply kar rhe ho ya fir credit card ko apply kar rhe ho aur waha se aap application reject ho raha hai to bar bar apply na kare isse bhi aapke credit score pe impact hota hai.
- Agar aapke paas koi credit card hai aur aapne uska istemaal kiya hai to Due date se pahle credit card ka bill paid kar dena chahiye.
- Agar aap ek upar ek loan chal rha hai to dusre loan ke apply na kare ek loan ka tenure khatam hone bad hi dusre loan ke liye apply kare.
- In baton ka agar khayal rakhte ho to aapka credit / CIBIL score jaldi Hi badh jayega.
