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Can closing old bank accounts and unused credit cards lower your CIBIL score?

Can closing old bank accounts or unused credit cards hurt your CIBIL score? Experts explain the impact on credit history,…

August 3, 2026 16:35 IST

A retiree with no credit history can still qualify for an emergency loan.

Need an emergency loan after retirement? Here’s what happens if you don’t have a CIBIL history

What lenders tend to focus on instead is the income left over after the EMI is paid, since that’s what…

July 20, 2026 19:46 IST

A missed EMI can remain on your credit report for up to seven years from the date of delinquency. Even if the overdue amount is cleared later, the record of the payment does not disappear immediately.

Can one missed EMI hurt your credit score? Here’s what borrowers should know

Going forward, borrowers should ensure there are sufficient funds available for auto-debit payments and regularly monitor account activity. They should…

June 17, 2026 13:25 IST

CIBIL score isn’t everything: Why two borrowers with identical scores may get different loan rates?

A good CIBIL score is undoubtedly important, but it is only one part of the lending equation. If you’re planning…

June 2, 2026 19:09 IST

Not just loans: Poor credit score can impact bank jobs, govt data shows

Credit score now matters for jobs too: How banks are using repayment history in hiring decisions

Your credit score is no longer just about loans. The government has revealed that banks may check credit history before…

March 17, 2026 16:44 IST

Is CIBIL score mandatory for bank loan? Centre issues key clarification

The Lok Sabha was also told earlier this week that the Reserve Bank of India had not not prescribed any…

August 24, 2025 20:47 IST

Not just loans, low CIBIL score can also deny you a job

If you think CIBIL score only affects your loan or credit card approval, think again. A recent Parliament reply revealed…

August 19, 2025 17:13 IST

Got a high CIBIL score? You might still be denied a loan — here's why

Got a high credit score? You might still be denied a loan — here’s why

Thinking your credit score is enough to get a loan? Think again. Lenders also check your job stability, EMI burden…

July 24, 2025 16:49 IST

Madras High Court sets aside home ministry order in FCRA case: 'Bhagavad Gita, Vedanta, yoga not religious' (Image: PTI)

Poor CIBIL report valid reason to deny bank job, Madras HC backs SBI’s move

The petitioner, who had applied for the post of Circle Based Officer (CBO), argued that he had fulfilled all eligibility…

June 27, 2025 07:23 IST

MSME loan delinquencies improve with moderate portfolio growth

The improvement has been driven by the borrower segment with Rs 50 lakhs to Rs 50 crore exposure, while less…

Updated: May 22, 2025 13:35 IST

Hard inquiry on your credit report? Here’s how it spoils your score

When you apply for any type of loan or credit card, you allow the bank or financial institution to check…

Updated: March 7, 2025 12:42 IST

Your credit score gets more real: All bureaus will report scores in 300-900 format

Let’s look into the key facets of the new rules that will positively impact consumers.

January 13, 2025 00:30 IST

Credit Score and CIBIL Score not the same - Know why

CIBIL Score Vs Credit Score: There is a difference – Explained

Credit score is a measure of a person’s ability to repay a loan. This means that when you take a…

October 1, 2024 11:48 IST

What are the factors affecting your CIBIL score and how can you improve it?

CIBIL score has become an essential gauge for assessing your financial stability. CIBIL is a three-digit number significantly influences your…

August 19, 2024 11:40 IST

TransUnion CIBIL, NITI Aayog’s WEP launches programme to boost financial literacy among women entrepreneurs

According to the TransUnion CIBIL data, demand for business loan by women jumped over 3.9x between FY2019 and FY 2024…

July 5, 2024 13:22 IST

7 common credit score myths and facts you should be aware of

Numerous falsehoods have been propagated regarding credit score. Let us dispel these misconceptions and assist you in making better-informed choices.

June 21, 2024 11:52 IST

CIBIL score 700 good or bad? How to get personal loan with low credit score in India

CIBIL score is a three-digit number, between 300 and 900, which is assigned against your credit history. In simple terms,…

April 19, 2024 13:45 IST

Are you a loan guarantor? Beware! You may face these dire consequences if borrower defaults

As a loan guarantor, before the bank does, you should also conduct some unofficial checks on the borrower like assessing…

April 18, 2024 12:54 IST

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