A CIBIL score is a three-digit number ranging from 300 to 900 that summarises your credit history, repayment behaviour, outstanding debt, and credit mix. It is calculated by CIBIL (Credit Information Bureau India Limited), one of four RBI-approved credit bureaus in India alongside Experian, Equifax, and Highmark.

Flight fares between Delhi and Goa have been known to double in a single week. Spotting a good deal is one thing. Having the full amount sitting in your account on the same day is a different problem entirely.

Seeing a three-digit number flash on your credit report can feel like opening a report card. But when that number reads credit score 777 is it good or bad? In short: it’s not just good, it’s excellent.

A lot of borrowers hear "your loan has been written off" and assume the debt is gone. It is not.

Your CIBIL score often becomes important when you plan to borrow money. A score of 730 can leave you unsure because it is neither very low nor very high. You may wonder whether it is enough to get a loan at a good interest rate, or if you should improve it first.

Aman had finally started getting regular freelance work. Then his old laptop began shutting down during client meetings. Buying a new one at once meant using all his savings, while waiting meant losing work.

Rajesh retired a few years ago and now depends on his monthly pension. When his wife needed surgery, he had to arrange a large amount of money. He did not want to sell the family home that he had built over the years. Then, a friend suggested taking a loan against the property instead.

You decide to take a Loan Against Property because you need funds for an important purpose. Since you already own a property, getting the loan seems straightforward. Then the lender asks for your CIBIL score, and suddenly you start wondering if that one number can affect your approval. Many borrowers have the same question. 

Getting a rejection after waiting days for an answer is frustrating enough. Getting one with no real explanation makes it worse. Banks rarely tell borrowers the actual reason.