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CIBIL SCORE ଠିକ୍ ହେବ କେମିତି, How to improve Cibil score in Odia language, Procedure to correct cibil score, What is Cibil Score or Credit Score.
*CIBIL: Credit Information Bureau (India) Limited.Credit Score: A numerical expression of a person's creditworthiness
*Credit Report: A detailed breakdown of an individual's credit history.Creditworthiness: The likelihood that a borrower will default on their debt obligations.
*Credit Bureau: An agency that collects and maintains individual credit information and sells it to lenders, creditors, and consumers
*Credit History: A record of a borrower's responsible repayment of debts.
*Credit Rating: An assessment of the credit risk associated with a particular borrower or financial instrument.
*Payment History: Record of payments made on credit accounts, which significantly impacts the credit score.
*Credit Utilization: The ratio of a borrower's current credit card balance to the credit limit.
*Hard Inquiry: A lender's check on a borrower's credit report when they apply for credit, which can slightly lower the credit score.
*Soft Inquiry: A check on credit reports that doesn't impact the credit score.
*Credit Mix: The variety of credit types a borrower has (credit cards, loans, mortgages).
*Delinquency: Failure to pay a debt on time.
Default: The failure to repay a debt, including interest or principal, on a loan or security.
*Credit Limit: The maximum amount of credit a lender will extend to a borrower.
*Loan Tenure: The duration over which a loan is to be repaid.
*Secured Loan: A loan backed by collateral.
*Unsecured Loan: A loan not backed by collateral.
*Credit Behavior: Patterns in the way an individual handles credit over time.
*Credit Counseling: Professional advice given to individuals to help manage their debt and improve their credit score.
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