CIBIL score low kyun hota hai? Jaane 7 common galtiyan jo aapka credit score gira deti hain. Score sudharne ke liye essential tips bhi paayen.CIBIL Score Low Kyu Hota Hai? CIBIL score kam hone ke kai reasons ho sakte hai
1 EMI Time Par Pay Nahi Karna (Payment Defaults)
Aksar log apne purane loan ki EMI time par pay nahi karte. Jaise maan lijiye aapki EMI har mahine ki 3 tareekh ko katni chahiye thi, aur aapke account me paisa 5540 ki EMI ke liye nahi tha, balki sirf ₹5300 available tha.Is wajah se aapki EMI bounce ho jaati hai, jo aap baad me cash deposit ya recovery agent ke through jama karte hain.
Har Mahine EMI Bounce Hona:Agar yeh situation kabhi-kabhi ho jaaye to itna problem nahi hota. Lekin agar har mahine aapki EMI bounce hoti hai, to yeh aapki credit behavior ko negative dikhata hai. Bank ko lagta hai ki aap financial discipline nahi rakhte, aur is wajah se aapka CIBIL score girne lagta hai
EMI Time Par Deposit Nahi Karne Ka Impact CIBIL Score Par hota hai jise cibil score kam hota hai
Agar aapki EMI ki due date 3 tareekh hai aur aap usi month me EMI ko case counter par ya recovery manager ke through jama kara dete hain, to yeh maan liya jata hai ki EMI bounce hui thi lekin within same month clear ho gayi. Iska impact aapke CIBIL score par hota hai,
2 OVERDUE EMI
Agar aapne usi mahine me EMI deposit nahi ki, to aapki EMI overdue ho jati hai. EMI overdue hone ka matlab hai ki aapka repayment timeline disturb ho gaya hai, jo CIBIL report me negative remark ke roop me jata hai.Iska impact aapke credit score par bahut hi zyada bura padta hai, or cibil score low hota hai agar aisa baar-baar hota hai to aapka CIBIL score 70–150 points tak bhi gir sakta hai. Bank ya NBFCs aapko risky borrower ke roop me dekhne lagte hain, jisse future me loan lena mushkil ho jaata hai.
3 Purana Loan Clear Na Karne Ka CIBIL Score Par Bura Asar
Agar aapne koi purana loan liya tha aur uska repayment nahi kiya, ya aapne us loan ki EMI bharna band kar di, to ye aapki credit history me bahut hi negative impact dalta hai.Aise cases me aapka loan account Write-off ya Settled ke status me chala jata hai.
4 Write-off Cibil Kya Hota Hai?
Jab bank ya NBFC ko lagta hai ki borrower loan repay nahi karega, to wo us account ko write-off kar dete hain. Lekin iska matlab ye nahi hota ki aapka loan maaf ho gaya. Balke, ye CIBIL report me clearly mention hota hai ki aapne loan default kiya hai.
Impact :
Aapka CIBIL score 300 ke aaspaas tak gir sakta Hai future me aapko kisi bhi bank/NBFC se loan milna bahut mushkil ho jata Hai aap par high interest rate lag sakta hai or future me aapko home loan ka interest rate jada lagt hai
5 Credit Card Ka Bill Time Par Na Bharna – Sabse Badi Galti
Aaj kal bank ya NBFCs aapko credit card easily offer kar deti hain, lekin log is facility ka galat istemal kar lete hain.Agar aapne credit card se koi bhi payment kiya hai, to uska bill aapko due date ke andar pay karna hota hai.
Full Payment Na Karna
Aapne ₹20,000 ka use kiya, lekin ₹5,000 hi pay kiya.Minimum Due Bhi Na Bharna – Agar aap minimum due (jaise ₹1,000) bhi time par nahi bharte, to bank ye report karta hai ki aapne payment default kiya hai.
Impact
CIBIL report me delay mention hota hai Score gradually girta hai har missed payment ke Sath future loan applications reject ho sakti hai
6 Guarantor Banne Se Pehle Soch Samajh Kar Faisla Lein
Agar aap kisi apne dost, relative ya jaan-pehchaan wale ke loan ke liye guarantor bante ho, to aap us loan ke zimmedar bhi ban jaate ho.
Guarantor Hone Ka Matlab Kya Hai
Guarantor hone ka matlab hai ki agar borrower (jiske liye aapne guarantee di hai) apna loan time par repay nahi karta, to bank ya NBFC aapse bhi paisa vasool kar sakta hai.
Iska CIBIL Par Kya Asar Padta Hai?
Borrower agar EMI miss karta hai, to wo delay aapke CIBIL report me bhi dikhai deta hai.Aapka CIBIL score low hota hai or negatively impact hota hai.Aap future me khud ka loan lene jaoge to problem ho sakti hai.Note: Guarantor banna ek serious financial commitment hai, isliye bina samjhe-soche kisi ke loan ka guarantor na banein.
7 Zyada Loan Inquiry Karne Se CIBIL Score Kharab Hota Hai
Agar aap loan ya credit card ke liye baar-baar apply karte ho, aur har baar bank ya NBFC aapka CIBIL check karta hai, to usse aapke CIBIL report me hard inquiries add hoti hain.
Hard Inquiry Kya Hoti Hai?Jab bhi aap loan ya credit card ke liye apply karte ho aur lender aapka credit report check karta hai, to use hard inquiry kehte hain.
Zyada Inquiries Ka Nuksan:Har ek inquiry aapke CIBIL score ko thoda-thoda down karti hai.Agar aap ek hi mahine me kai baar apply karte ho to lagta hai ki aap desperate ho loan ke liye, jisse aapki credibility low dikhti hai.Banks sochti hain ki aap financially unstable ho.Isse Kaise Bachein?Har loan offer ke liye apply karne se pehle soch samajh kar faisla lein.Ek time par sirf ek trusted lender ko apply karein.Pre-approved ya soft inquiry wale offerspe zyada focus karein.