You get a message: “Congratulations! You are pre-approved for a personal loan of ₹3,00,000.”Sounds great, right? But are pre-approved loans actually safe? Should you take them? In 2025, banks and NBFCs across India are aggressively pushing pre-approved loan offers via SMS, email, and banking apps. These offers are tempting — instant cash, no paperwork, quick […]
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Even with a 780 credit score, your loan can get rejected. The real reason? Your FOIR is too high. Let’s break down the hidden metric that lenders are obsessed with — and how to fix it. 🧠 What is FOIR? FOIR (Fixed Obligations to Income Ratio) is a financial ratio used by banks and NBFCs […]
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Imagine this: you have a CIBIL score of 770, a stable salary, and no active defaults. You apply for a personal loan… and it gets rejected. This happens to thousands of people across India every month — and the reason is often not your credit score, but deeper, lesser-known factors in your credit profile or […]
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Your credit score is one of the most important numbers in your financial life.Whether you’re applying for a mortgage, getting a new credit card, or just building credit for future goals — knowing your score helps you stay prepared and in control. Thankfully, in 2025, you can check your credit score for free using powerful, […]
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CIBIL vs Experian vs Equifax: Which Credit Score Is More Trusted in India (2025)? Your credit score is the gateway to financial freedom — whether you’re applying for a home loan, a personal loan, or a new credit card.But with three major credit bureaus in India — CIBIL, Experian, and Equifax — many people are […]
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A strong credit score isn’t just a number—it’s a powerful financial tool. Whether you’re applying for a home loan, personal loan, credit card, or even a new job, your credit score plays a silent but crucial role behind the scenes. In India, where lenders rely heavily on credit reports for approvals, maintaining a healthy score […]
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