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Tata Capital > Blog > Credit Score > What is credit review and how does it work?

क्रेडिट स्कोअर

क्रेडिट रिव्ह्यू म्हणजे काय आणि ते कसे काम करते?

What is credit review and how does it work?

क्रेडिट रिव्ह्यू कर्जदारांना कर्जदाराच्या क्रेडिट पात्रतेचे मूल्यांकन करण्यास मदत करते. लेंडर क्रेडिट ब्युरो आणि इतर फायनान्शियल रेकॉर्डद्वारे एकत्रित केलेल्या माहितीचा वापर करून मागणीवर किंवा नियमितपणे रिव्ह्यू करतात. The results of the review allow lenders to decide whether they must approve or reject your loan application. It also enables them to determineव्याज दर and adjust credit limits. Borrowers must also perform self-credit report reviews regularly. It helps to monitor financial health. If you suspect fraudulent activity or identify errors, you must raise disputes immediately so that they cannot affect your borrowing ability.

A credit review helps lenders evaluate your creditworthiness and decide on loan approval and terms, such as the loan amount, interest rate, and repayment tenure.

Have you ever been curious about what goes on behind the scenes when a lender considers your loan application? What makes them approve or decline your request? If you have, then here is your answer: it’s your credit review.

The terms and conditions of the loan are also based on your credit review. It determines the loan term, interest rate, and principal amount. That means your credit review is quite a significant component. But what is a credit review?

To understand the credit review’s meaning, let’s dive into the definition and purpose of a credit review and other aspects associated with it.

क्रेडिट रिव्ह्यू म्हणजे काय?

A credit review is a process in which the credit profile of individuals or businesses is monitored to assess their creditworthiness and repayment capacity. Your credit review is like a report card of your credit history and current financial situation. It decides whether you have the ability to repay your debts.

Credit reviews can be done by your lender, financial institutions, settlement companies, or credit bureaus like TransUnion CIBIL.

What is the purpose of a credit review?

Your credit review serves the following purposes:

  1. A credit review allows lenders to assess your present financial situation based on your income, debt levels, and overall financial stability. It assures them that you have the potential to repay your loans, and the credit risk associated with you is low.
  2. The credit review process also contains a thorough analysis of your credit history. It demonstrates your repayment patterns and overall financial reliability in the past.
  3. Credit review also reveals any financial setbacks, such as bankruptcy filings or loan defaults, in front of the lenders. These factors can influence your chances of loan approval.

अधिक वाचा – पर्सनल लोनसाठी किमान आणि कमाल कालावधी

What are the different types of credit review processes?

A credit review can be performed in the following situations:

Credit review during the loan application

The credit review in this process is done by potential lenders to assess your creditworthiness when considering your loan application.

Periodic credit reviews by lenders

Periodic reviews are conducted during the loan repayment period. They ensure your continued repayment capacity. If any issues arise during this phase, the borrowers and lenders can renegotiate the loan terms based on the current situation.

Read More – Types of CIBIL Errors

स्वयं-सुरू केलेले क्रेडिट रिव्ह्यू

सेल्फ-रिव्ह्यू हे कर्जदारांनी स्वत: केलेले अनौपचारिक मूल्यांकन आहे, ज्याला सॉफ्ट इन्क्वायरी म्हणूनही संदर्भित केले जाते. हे त्यांना त्यांची फायनान्शियल स्थिती मोजण्यास आणि कोणत्याही चुकीच्या बाबतीत आवश्यक पावले उचलण्यास मदत करते.

क्रेडिट रिव्ह्यूमध्ये कोणते घटक विचारात घेतले जातात?

Here are some factors that lenders consider when performing a credit review.

  1. Credit report: Your credit report includes detailed information about your current and past loans, repayment patterns, credit limits, and credit inquiries. It demonstrates your overall financial health.
  2. Employment status: Lenders often consider your working status, whether you are a salaried employee or business owner, when making credit decisions. They might reject the loan application if they think you do not have a regular source of income.
  3. कोलॅटरल: मालमत्तेची किंमत निर्धारित करण्यासाठी आणि कोणतेही नुकसान तपासण्यासाठी सिक्युअर्ड लोनच्या बाबतीत कोलॅटरलचा आढावा घेतला जातो.
  4. डेब्ट-टू-इन्कम रेशिओ: हा रेशिओ तुम्ही तुमचे लोन भरण्यासाठी वापरत असलेल्या तुमच्या उत्पन्नाची रक्कम घोषित करतो. कमी डेब्ट-टू-इन्कम रेशिओ चांगले फायनान्शियल हेल्थ दर्शविते.
  5. क्रेडिटचा प्रकार: तुम्ही अप्लाय करीत असलेला क्रेडिट प्रकार रिव्ह्यू प्रक्रियेवर परिणाम करू शकतो. सुरक्षित लोनमध्ये तुमच्या तारणाची तपशीलवार छाननी समाविष्ट आहे, तर अनसिक्युअर्ड लोनमध्ये, लेंडर तुमच्या क्रेडिट रेकॉर्डवर अधिक लक्ष केंद्रित करतात.

क्रेडिट रिव्ह्यू कोणती माहिती कलेक्ट करते?

क्रेडिट रिव्ह्यू लेंडरला तुमच्या फायनान्शियल विश्वसनीयतेचे मूल्यांकन करण्यास मदत करण्यासाठी खालील माहिती संकलित करते.

  1. वैयक्तिक तपशील: तुमची ओळख व्हेरिफाय करण्यासाठी तुमचे नाव, ॲड्रेस, संपर्क माहिती आणि ओळख तपशील रिव्ह्यू करा.
  2. क्रेडिट अकाउंट: हे तुमचे लोन, क्रेडिट कार्ड आणि इतर लोन अकाउंट रिव्ह्यू करते.
  3. रिपेमेंट रेकॉर्ड: तुम्ही तुमचे इक्वेटेड मंथली हप्ते (ईएमआय) आणि बिल वेळेवर भरता की नाही हे तपासते.
  4. थकित लोन: रिव्ह्यू तुमचे वर्तमान लोन बॅलन्स आणि क्रेडिट वापर तपासतो.
  5. क्रेडिट चौकशी: तुम्ही अलीकडेच केलेले लोन किंवा क्रेडिट कार्ड ॲप्लिकेशन्स रेकॉर्ड करते.

Why review your credit report regularly?

Regularly reviewing your credit report is essential to maintaining good financial health. Any issues in your credit report can directly affect your loan approval or even result in unfavorable interest rates. You can also be informed about your credit score and take the necessary steps to improve it.

Sometimes, you may spot inaccuracies in the report that may not be your fault. You have to raise a complaint with the credit bureau to resolve such issues.

Is a credit score of 650 considered good in India?

A credit score of 650 isn’t considered good in India. Instead, it is considered fairly decent. If you have a credit score of 650, some lenders may approve your loan or credit card application, but you will not qualify for the best interest rates or terms. Most lenders prefer applicants with scores above 750 for easier approvals and better offers. If your score is 650, you must focus on increasing it before applying for a loan. You must reduce your outstanding debt, pay all bills and dues on time, and maintain low credit utilization.

Read More – What Does a 777 Credit Score Mean

Can you review your own credit report?

Yes, you can review your own credit report at any time. In fact, it is advisable that you check your credit report regularly. The financial habit will help you verify that your personal details, loan accounts, and payment records are accurate. Moreover, when you do a credit report review, you can spot errors, unauthorized accounts, or signs of identity theft early. You can raise a dispute with the credit bureau regarding incorrect information or errors and request a correction to protect your credit score.

अंतिम विचार

Your credit review plays a significant role in determining your loan approval. It helps lenders evaluate your financial stability based on your credit history and current financial situation. In such a case, managing your creditworthiness becomes extremely crucial. This can be done by regularly assessing your credit report and taking necessary actions to improve your financial standing. If you are considering applying for a loan, ensure your credit score is in a good range to increase your chances for approval. Check your credit score at Tata Capital, one of India’s leading financial institutions.

सामान्य प्रश्न

क्रेडिट रिव्ह्यूचे प्रकार काय आहेत?

क्रेडिट रिव्ह्यू खालील मार्गांनी आयोजित केले जाऊ शकतातः 1. तुमच्या लेंडरद्वारे ॲप्लिकेशन प्रोसेस दरम्यान. 2. निरंतर क्रेडिट पात्रतेचे मूल्यांकन करण्यासाठी रिपेमेंट प्रक्रियेदरम्यान नियतकालिक रिव्ह्यू केले जाते. 3. कर्जदारांद्वारे त्यांच्या स्वत:च्या क्रेडिट प्रोफाईलची देखरेख करण्यासाठी आणि ते सुधारण्यासाठी पावले उचलण्यासाठी सेल्फ-रिव्ह्यू केले जाते.

मी माझा क्रेडिट रिव्ह्यू कसा क्लिअर करू?

तुमचा क्रेडिट रिव्ह्यू क्लिअर करण्यासाठी, तुम्ही तुमचे रिपेमेंट वेळेवर केले असल्याची खात्री करणे आवश्यक आहे. You can even pay more than the minimum instalment every month. You should also regularly review your credit report.

What happens after credit review?

If the review is done during the application process, the quality of your credit report will influence your loan approval. If it's a periodic review done during the repayment process, and there are any issues in the credit review, the lender and borrower may negotiate new terms of agreement.

How long does a credit review last?

The credit review may take between 36 to 60 months, or it may be faster. It depends on the information being reviewed, your financial situation, and the lender's policies.

Will I get a loan after a credit review?

Your loan approval depends on the credit review. If the lender is assured, based on your credit review, that you can repay the loan, your loan will be approved. If the lender feels you are not in a position to repay your debts, your loan application might get rejected.

Does a credit review by a bank lower my credit score?

When a bank performs a hard inquiry for a new loan or credit card application, it can result in a slight dip in your credit score. However, there is no impact if it is a soft inquiry.

पर्सनल लोनसाठी क्रेडिट रिव्ह्यूसाठी किती वेळ लागतो?

If you apply for a personal loan, your financial profile is under credit review for a few minutes to a few days. It depends on the lender’s process and document verification requirements.

माझ्या परवानगीशिवाय माझी बँक क्रेडिट रिव्ह्यू का केली?

Banks may conduct credit reviews for existing accounts if permissions are granted under your loan or account agreement. For new credit applications, banks will need your consent.

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