8 फैक्टर जो आपके Credit Score को प्रभावित कर सकते हैं.

जब आप लोन या क्रेडिट कार्ड के लिए आवेदन करते हैं तो लोन कंपनी आपके जोखिम का आकलन करने के लिए आपके क्रेडिट स्कोर का उपयोग करती हैं.

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उच्च क्रेडिट स्कोर का मतलब है कि आपको कम जोखिम वाला उधारकर्ता माना जाता है, और आपको कम ब्याज दर के साथ लोन प्राप्त होने की अधिक संभावना है.

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Payment History लोन देने वाली कंपनी यह आकलन करती हैं कि आपने अपने पिछले क्रेडिट खातों का भुगतान समय पर किया है या नहीं।

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Credit Utilisation यह आपके क्रेडिट कार्ड का बैलेंस अमाउंट और आपकी क्रेडिट लिमिट का रेश्यो है अधिक क्रेडिट उपयोग आपके क्रेडिट स्कोर पर नकारात्मक प्रभाव डाल सकता है.

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Length of Credit History आपके क्रेडिट खाते सक्रिय रहने की अवधि पर भी ध्यान दिया जाता है. बा क्रेडिट इतिहास आम तौर पर आपके क्रेडिट स्कोर पर सकारात्मक प्रभाव डालता है.

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Credit Mix विभिन्न प्रकार के क्रेडिट, जैसे क्रेडिट कार्ड, लोन और रिटेल अकाउंट का मिक्स आपके क्रेडिट स्कोर पर सकारात्मक प्रभाव डाल सकता है.

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New Credit छोटी अवधि में कई नए क्रेडिट अकाउंट खोलना जोखिम भरा माना जा सकता है और इसका आपके क्रेडिट स्कोर पर नकारात्मक प्रभाव पड़ सकता है.

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Credit Inquiries हर बार जब आप क्रेडिट के लिए आवेदन करते हैं, तो आपकी क्रेडिट रिपोर्ट के बारे में कड़ी पूछताछ की जाती है. जबकि एक पूछताछ का न्यूनतम प्रभाव हो सकता है, एक छोटी अवधि में कई पूछताछ को नकारात्मक रूप से देखा जा सकता है.

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Settlements and Write-offs किसी अकाउंट को पूरी राशि से कम पर निपटाना या आपके अकाउंट को बट्टे खाते में डालना आपके क्रेडिट स्कोर को नुकसान पहुंचा सकता है.

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Frequency of Credit Usage क्रेडिट का नियमित और जिम्मेदार उपयोग आपके क्रेडिट स्कोर में सकारात्मक योगदान दे सकता है. इसमें क्रेडिट अकाउंट में नियमित भुगतान करना भी शामिल है.

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FOCUSED MUTUAL FUNDS 4 शीर्ष प्रदर्शन करने वाले फोकस्ड म्युचुअल फंड

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