Reasons behind Low Credit Score

Your credit score is the main factor which makes you either high risk, or low risk profile in terms of lending you a credit. Whatever mistakes you do with your financials, will be directly reflected on your credit report which shall further result in a low credit score. So it is necessary to check your […]
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5 Common Credit Misconceptions

When it comes to credit report and credit score, there are lots of rumors or misconception you have heard from your relatives, friends, and neighbors. There are a plethora of myths about what you should and shouldn’t do to manage your credit. But all what you have heard are not right and may cost you lowering […]
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Insurance Ombudsman Scheme Part -2

The Insurance Ombudsman Scheme which was part of the July 2021 issue here continues with General Insurance. As you know the insurance ombudsman has a role to settle the dispute between Complainant and Insurer by the process of effective mediation. However, we have seen that after the order of the ombudsman, the insurer failed at […]
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5 check points to clear before availing a personal loan

Personal loan is a loan which can be availed for any personal purpose such as home renovation, wedding, medical emergencies, travelling, debt repayment etc. without any security or collateral. The terms quick disbursal, minimum documentation, zero restriction on end-use of loan proceeds and minimum collateral requirement make personal loan an easy and ideal way of […]
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HDFC Bank – Milestones 1995-2020

Housing Development Finance Corporation mostly known as HDFC Bank is one of India’s leading private banks and was amongst the first to receive ‘in principle’ approval from Reserve Bank of India (RBI) to set up a bank in the private sector, as part of the RBI’s liberalization of the Indian Banking Industry in 1994. As […]
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6 Ways to improve your Credit Score

The information on your credit report impacts your credit score both in a positive and negative sense. Your credit score is a tool which lenders take into consideration to determine your ability to obtain credit. Poor credit score will either keep you at bay from obtaining credit or place you in a high risk category […]
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Credit Bureau and its Evolution

Credit Bureau also known as a Credit Information Company (CIC) is a central repository that collects, collates and maintains credit and loan related information of individual and commercial institutions. Each lending institution by law has to be a member of at least one credit bureau and report credit information to it on a periodical basis. […]
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Insurance Ombudsman Scheme

The Insurance Ombudsman was created by the Government of India in November, 1998 with the purpose of quick disposal of the grievances of the insured customers and to mitigate their problems involved in redressal of those grievances. There are at present 17 Insurance Ombudsman in different locations and any person who has a grievance against […]
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