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How do I know my CIBIL score?Here is the extract from my blog.The Reserve Bank of India (RBI) in September 2016 had mandated every Credit Information Company (CIC) in the country to give one Free Full Credit Report (FFCR) to every individual starting from 1st January 2017. This detailed report mainly carries the Credit Score, among other things financial points. Due to this mandate, you can now check your CIBIL score for free once in a year. Many people are finding it hard to know how to check CIBIL score online for free. So here I am to help you out with this my latest post.See it on my blog - How to Check CIBIL Score Online for FreeWhat is a Credit Score?The Credit Score is a number that indicates an individual’s credit worthiness. It impacts the individual’s capability to borrow and take new credit from lenders. Usually, banks or lenders use this credit score to evaluate the probability of whether an individual repay his debts or not.Higher your Credit Score, higher are the chances of loan approval such as personal loan, business loan, home loan, loan against property, credit cards in India.Importance of CIBIL Score\ Credit Score reportsThese reports are a highly valued information bunch that helps banks and financial institutions analyze an individual’s credit worthiness based on his/her borrowing history and repayment discipline. The major importance of CIBIL reports are:Better Credit Score\ CIBIL score helps you get loans at much better rates from lenders. A better Credit Score also helps you get offers from multiple lenders – giving you a better deal.A unified report with all your past and current credit history.A good credit score helps borrowers to get loans easily from banks.Credit score reports form the basis of releasing loans to a borrower.An exhaustive report to help you nurture better financial discipline.Helps in staying clear of debt traps.Better score on the credit report gives leverage when negotiating interest rates.In India, three credit rating bureaus or agencies compute your score.CIBIL (Credit Information Bureau India Limited)Equifax andExperianEach of these rating agencies has various ranges for their credit scores. The most popular credit score in India is the one issued by CIBIL.CIBILThis is one of the most known or trusted Credit Information Company. People generally refer Credit score as CIBIL score due to its popularity and wide use.I have given a detailed Do It Yourself (DIY) Guide on how to check CIBIL score and get a free credit report from CIBIL under next heading.How to check CIBIL score or Credit score online for free?Now that you have completely understood the importance of credit score. Also, you must be feeling happy that RBI made it mandatory to all Credit Information Companies (CIC’s) to provide one free credit report per year.Let’s go ahead with my Do It Yourself (DIY) Guide on how to check CIBIL score\ Credit score online for free. There are three steps to getting free CIBIL score.Complete the FormAuthenticate Yourself – Here you may be asked 3-5 questions about your loans and credit cardsAccess your free CIBIL score and reportComplete Form –Go to CIBIL homepage.You will get the below shown page. Here you have to give your Email Address, Date of Birth, Gender and PAN card number. Then enter characters shown in below text box. Now accept the terms and conditions and click on Submit button.Once you click on Submit button, you will get a new pop-up window as shown below. Here you have two options, either to go with paid subscription (Rs.800 for two reports and Rs.1200 for four reports) or Free (1 report per year) method. As we want to get a one-time free CIBIL score, click on “No, thanks” button.See more detailed guide on my blog here…What your Credit score\ CIBIL score says?Here is the detailed explanation of what your credit score says.Great – 800-900: This is a great score. It reflects an ideal track record of repayments of all your previous borrowings that means you get the great offers on various loans and credit cards.Good – 600-799: If you are planning to apply for a fresh loan or a new credit card, this score offers a good chance that your application will be granted. A score in this range shows that you have handled your previous borrowings judiciously and are a safe borrower.Bad – 300-599: This is considered as a bad (low) CIBIL score and your chances being approved for the new loans or credit card are very less in this case. Primary reason for getting this score can include the default on loan payments or missing credit card payments.Hope this Do It Yourself (DIY) guide on how to get a free full credit card\CIBIL score will be helpful to you. Share this with all your friends.What affects your Credit Score?Irregularity in Credit card and loan repayments.Cheque bounceToo many unsecured loans such as credit cards and personal loans.Default as a guarantorHigher the rate of application for credit cards or unsecured loans.If you are defaulter for your friend’s loan for whom you are acted as guarantor.Using your credit cards to the full limit.How to improve your score?Never utilize more than50-60 percent of your credit cards limit.Never default your Credit card bills or loan EMI. Pay them without fail and within a specified period.Don’t try to overburden yourself with the too many loans. If your credit score is good, then banks are ready to sanction more loan than what you asked for. In such cases limit yourself for needed amount.Avoid having many unsecured loans and credit cards on a single name.Do not forget to collect “No Due Certificate” from your banker after closing the cards accounts or loan.Have 6-9 months of a gap while applying for fresh loans.Never try to run away from your loans. Settle them as soon as possible in a friendly way with your banker.Final NoteThis is a great opportunity to know your CIBIL score which is essentially required for every loan or cards that you take. The free full credit report will help you identify your credit outstanding, old loans or may fling up surprises against credit cards which you had not even applied for or loans which you might not have taken. Study the report and take necessary steps to get such things rectified to ramp up your future credit score.Hope this helps..Ashu,Co-founder The Investment ManiaLike our page on The Investment Mania | Facebook
How do I fill out the MHT-CET MBA exam application form in detail?DTE Maharashtra has discharged MHT CET 2018 application form as on January 18 in online mode, can be filled by competitors by following the means said in how to fill MHT CET application frame 2018. Applicants who need to enlist themselves for the selection test should take after the means as given in how to fill MHT CET 2018 application form to maintain a strategic distance from oversights and entire method to go smooth and bother free. The means to fill the application type of MHT CET 2018 incorporates enlistment, filling of required subtle elements, transferring of filtered reports, instalment and affirmation page download. Hopefuls are required to fill the application type of MHT CET 2018 painstakingly to stay away from dismissal by the specialists. It is essential to take the application shape filling methodology of MHT CET genuinely on the grounds that exclusive those hopefuls who will present their structures effectively will get concede cards. Such applicants who will have legitimate MHT CET 2018 concede cards will be permitted to show up in the exam.Competitors must read the means offered underneath to fill and submit MHT CET 2018 application frame in a sorted-out way:Stage 1 – RegistrationApplicants should enrol themselves and give the required details. Candidate should concur whether he or she is an Indian resident or not.Proceeding onward, they will be required to fill the accompanying individual subtle elements:Full name (as showing up on the announcement of characteristics of SSC tenth or proportional exam), Father’s name, Mother’s first name, Last name, Gender, Contact Information, Address for correspondence, House No/Street, Area Name, Town/City , State, District, Pin code, Country, Mobile Number, Primary Email Id (Email will be sent to this email ID), Alternate Email Id (Parent’s Email ID, if accessible), Contact Telephone No. (with STD Code), Permanent Residence in Village/Town/City, Domicile of Maharashtra/Disputed Maharashtra Karnataka Border (MKB)/Outside Maharashtra, Reservation, Category of competitor (Caste perceived in Maharashtra state), Candidates having a place with SC, ST, VJ(A), NT(B), NT(C), NT(D), OBC and SBC classes must have their individual standing authentications, Candidates having a place with Non Creamy Layer (NCL) should create substantial testament upto March 31, 2019, Other DetailsRegardless of whether the candidate has a place with – PWD class or not (competitors qualified who are qualified under this classification ought to have under 40% incapacity), visually impaired, low vision. Orthopedically debilitated and competitors influenced with Cerebral Palsy and Dyslexia, who are not in a situation to compose, can benefit a copyist/author for the MHT-CET 2018 examRegardless of whether the applicant is a J&K vagrant or notReligionOther placement tests that applicant has enrolled for (JEE Main/NEET/None)Add up to Annual Family IncomeAadhaar NumberFinancial balance DetailsName of the record holder according to Bank recordName of the BankName of the Bank BranchKind of Account (Savings/Current)Financial balance NumberIFSC CodePoints of interest of HSC (twelfth/Equivalent Examination)Regardless of whether hopeful has passed/showed up for confirmation in Pharmacy (just for Biology applicants)Place from where hopeful has finished HSC (twelfth)/proportional exam showing up/Passed from school/Jr. School arranged (Maharashtra/Outside Maharashtra)Subtle elements required for MHT-CET 2018Subjects for CET examination (Physics, Chemistry, Mathematics, Biology)Dialect for the exam (English, Marathi, Urdu)Enter secret keyCompetitors should make a secret word (least 8 and most extreme 15 characters and should have one capitalized, one lower case and one numeric)In the wake of entering the secret key, competitors should affirm it. This secret word will be utilized for future logins.Statement by the hopefulApplicants should read the revelation composed and after that tap on “I Agree”Applicants need to enter the security key as gave and after that tap on “Next” catchStage 2 – Confirmation and SubmissionIn the wake of filling the previously mentioned subtle elements, hopefuls will have the capacity to check the data filled and alter certain things in the application frame.Applicants can backpedal and change or alter the accompanying particulars (as noticeable in green shading) before accommodation:Exam focusSubjects pickedDialect of the examIndividual with handicap choiceIn any case, there are particulars (as unmistakable in blue shading) that can’t be altered at this stage once submitted:Father’s nameLast nameDate of birthVersatile numberEmail IDSubsequent to rolling out the improvements, if required, hopefuls should present the shape.Stage 3 – Application number gotApplicants will get a message on the screen in regards to effective enlistment for MHT CET 2018 with their application number. A similar number will be sent to them gave email ID. Competitors can see and check their entered data in this progression.Stage 4 – Edit and Upload photo and markApplicants will have the capacity to alter the points of interest they have filled in the application frame. In any case, regardless they won’t have the capacity to alter their full name, father’s name, last name, date of birth, versatile number and email ID. In the event that candidates would prefer not to alter any points of interest, they can move to the subsequent stage of transferring their photo and mark in the arrangement recommended by the experts.Stage 5 – Uploading photo and markApplicants should transfer their current identification estimate shading photo and mark in the configuration given in the table underneath. On the off chance that, applicants are not ready to transfer the right photographs/marks, they should reload the right records and afterward transfer.Stage 6 – VerificationCompetitors will get a message on their screens with respect to fruitful transferring of photo and mark. They will likewise have the capacity to see a connection saying ” Click here to make payment “. Applicants should tap on the connection to enter the instalment entryway.Stage 7 – Payment gatewayHopefuls will have the capacity to see every one of the subtle elements filled by them alongside their transferred photo and mark on their screens. The application expense sum will likewise be noticeable in this progression, which they should pay in the wake of perusing the revelation. It is to noticed that competitors will have the capacity to change their subjects they are applying for.Applicants will have the capacity to influence application to charge payment through credit/check card, net saving money, plastic (ATM PIN), wallets and then some. They should influence instalment of the application to sum with comfort charge and expense.After instalment of utilisation charge, competitors will have the capacity to see a message on their screen with respect to accomplishment of exchange. Applicants must remove a print from this page.Stage 8 – Acknowledgment pageCompetitors must take a print from the affirmation page and keep it securely for some time later.Hope this Helps!!
How do you dispute credit report inquiries?After you review your credit report see which are the items you want to dispute and at which credit bureaus. Write them a letter and mail it in with certified mail (this way you will know when they received it). Credit bureaus have a time limit to process disputes, and if they cannot verify the information to be 100% accurate then they must remove it from your report. The time limit is usually 30 days, and many times they do not make that deadline hence remove it.When writing the letter you should be clear as to why you are disputing the items and which items you are disputing. You can find many templates for dispute letters with a quick google search. I would suggest you write your own letter, but the templates will give you an idea of what a dispute letter should look like.DO NOT request a dispute by phone or online. Always mail it in. Sometimes it might take you a couple tries to remove the item. Wait for them to mail you a response after your initial dispute, and if they said it’s verified then send a follow up letter (again certified and you can find samples online).
How can I rectify my CIBIL report?Ensuring that you as an individual are credit healthy is fast becoming the order of the day. While globally the awareness and usage of credit reports is far higher than it is in India at present, with the entry of multiple bureaus and the emphasis being laid by lenders on credit reports, things are slowly but steadily looking up. So let us first understand what a credit report is all about.A credit report is a document that details all your credit behaviour, with regards to the repayment track record, the number and types of accounts you hold and whether you have applied for any fresh lines of credit. Generated by credit bureaus, they are the go-do documents for any lender, prior to taking a decision on a loan application. This report can be the deciding factor of whether you application is approved, and at what terms, therefore making it very critical.Whether CIBIL or any of the other (namely Equifax, Experian and CRIF High Mark) bureaus in India, keep in mind that no bureau monitors or controls the data that is used to build the report. This information is released periodically by the concerned lenders to the bureaus, basis which the bureaus prepare reports.Therefore should there be any error in the information therein the bureau can assist you in having the data rectified, but not without the consent of the lender in question.What constitutes the credit report?It therefore becomes critical to maintain a clean credit record, especially with payments so that you do not go down the path of having to raise a dispute to begin with.Reasons for errors in credit reportsLet us first take a look at the various reasons as to why there could be an error in the credit report.Incorrect account details being reported by the lender – This occurs when a lender erroneously sends the wrong information to a bureau, for instance a closed or disputed account continues to reflect as live.Account ownership – Here, information pertaining to another individual’s accounts is captured in your report.Personal information – Details including contact information, PAN, telephone number etc.can be incorrect, which can be rectified only if updated information is provided by the consumer to the lender.Understanding the credit reportNaturally,it follows that only when an individual is able to understand the credit report is when they can raise a dispute if need be. As per the findings of a survey conducted by Credit Sudhaar in 2013, a mere 2 percent of respondents were able to comprehend the credit report handed out to them.It is therefore essential to know and understand your credit report in depth.How does one get information rectified?It is important to remember that CIBIL itself does not maintain a defaulter list,that is information privy to the lender. What CIBIL keeps track of is the credit history as reported by the lenders. If you believe any information in your report is inaccurate and needs to be modified, you can raise a dispute with the bureau.The dispute resolution process is fairly straightforward. All you have to do is contact the concerned bureau and submit your request together with proof to support your claim. The bureau will in turn forward this request to the lender,following which the lender is expected to revert. If the resolution is in the consumer’s favour, the lender will send revised information to the bureau,which will then reflect in the subsequent report, once uploaded by the bureau.Once the resolution is communicated, if the consumer is not satisfied with the verdict, they may choose to raise a further dispute, which the bureau will take up once again with the lender. Alternatively, the consumer may directly liaise with the lender for resolution.In conclusionGet acquainted with your credit report, as being credit healthy is your steppingstone to financial well-being.
What types of forms can a person fill out to dispute a parking violation that he/she received?It depends on the issuing authority. The appeals process is typically on the back of the citation. If you are going to write any of the following on the appeal…I didn’t knowI didn’t see the signI was lateI was only there for a little while or anything of that natureDon’t waste your time, short of there being no signs at all. You are going to pay the fine. So skip fighting it and just pay the fine.
How long does it take for a credit report dispute to come back?You should recieve a response within 30 to 45 days of disputing the account. If you have not heard back by 50 days or so, it is possible that your rights were violated, and I would definitely follow up with the bureaus on this, and point out that they are obligated to investigate your dispute.
How long does it take for a dispute on a credit report to be resolved?It takes signNowly longer if you dispute by telephone (versus disputing by written correspondence). By signNow, it is infinite if you call and talk to complain of your credit dispute. Written disputes to a post office box seem counterintuitive. By law, the mail you send via US postal service to a PO Box must be answered inside of 30 days.If you call, you can be placed on hold for 30 days.So, what is your name and do you believe the basic laws that govern?! What's your name and might you google, "Fair credit reporting act".
Do military members have to pay any fee for leave or fiancee forms?NOOOOOOO. You are talking to a military romance scammer. I received an email from the US Army that directly answers your question that is pasted below please keep reading.I believe you are the victim of a military Romance Scam whereas the person you are talking to is a foreign national posing as an American Soldier claiming to be stationed overseas on a peacekeeping mission. That's the key to the scam they always claim to be on a peacekeeping mission.Part of their scam is saying that they have no access to their money that their mission is highly dangerous.If your boyfriend girlfriend/future husband/wife is asking you to do the following or has exhibited this behavior, it is a most likely a scam:Moves to private messaging site immediately after meeting you on Facebook or SnapChat or Instagram or some dating or social media site. Often times they delete the site you met them on right after they asked you to move to a more private messaging siteProfesses love to you very quickly & seems to quote poems and song lyrics along with using their own sort of broken language, as they profess their love and devotion quickly. They also showed concern for your health and love for your family.Promises marriage as soon as he/she gets to state for leave that they asked you to pay for.They Requests money (wire transfers) and Amazon, iTune ,Verizon, etc gift cards, for medicine, religious practices, and leaves to come home, internet access, complete job assignments, help sick friend, get him out of trouble, or anything that sounds fishy.The military does provide all the soldier needs including food medical Care and transportation for leave. Trust me, I lived it, you are probably being scammed. I am just trying to show you examples that you are most likely being connned.Below is an email response I received after I sent an inquiry to the US government when I discovered I was scammed. I received this wonderful response back with lots of useful links on how to find and report your scammer. And how to learn more about Romance Scams.Right now you can also copy the picture he gave you and do a google image search and you will hopefully see the pictures of the real person he is impersonating. this doesn't always work and take some digging. if you find the real person you can direct message them and alert them that their image is being used for scamming.Good Luck to you and I'm sorry this may be happening to you. please continue reading the government response I received below it's very informative. You have contacted an email that is monitored by the U.S. Army Criminal Investigation Command. Unfortunately, this is a common concern. We assure you there is never any reason to send money to anyone claiming to be a Soldier online. If you have only spoken with this person online, it is likely they are not a U.S. Soldier at all. If this is a suspected imposter social media profile, we urge you to report it to that platform as soon as possible. Please continue reading for more resources and answers to other frequently asked questions: How to report an imposter Facebook profile: Caution-https://www.facebook.com/help/16... < Caution-https://www.facebook.com/help/16... > Answers to frequently asked questions: - Soldiers and their loved ones are not charged money so that the Soldier can go on leave. - Soldiers are not charged money for secure communications or leave. - Soldiers do not need permission to get married. - Soldiers emails are in this format: email@example.com < Caution-mailto: firstname.lastname@example.org > anything ending in .us or .com is not an official email account. - Soldiers have medical insurance, which pays for their medical costs when treated at civilian health care facilities worldwide – family and friends do not need to pay their medical expenses. - Military aircraft are not used to transport Privately Owned Vehicles. - Army financial offices are not used to help Soldiers buy or sell items of any kind. - Soldiers deployed to Combat Zones do not need to solicit money from the public to feed or house themselves or their troops. - Deployed Soldiers do not find large unclaimed sums of money and need your help to get that money out of the country. Anyone who tells you one of the above-listed conditions/circumstances is true is likely posing as a Soldier and trying to steal money from you. We would urge you to immediately cease all contact with this individual. For more information on avoiding online scams and to report this crime, please see the following sites and articles: This article may help clarify some of the tricks social media scammers try to use to take advantage of people: Caution-https://www.army.mil/article/61432/< Caution-https://www.army.mil/article/61432/> CID advises vigilance against 'romance scams,' scammers impersonating Soldiers Caution-https://www.army.mil/article/180749 < Caution-https://www.army.mil/article/180749 > FBI Internet Crime Complaint Center: Caution-http://www.ic3.gov/default.aspx< Caution-http://www.ic3.gov/default.aspx> U.S. Army investigators warn public against romance scams: Caution-https://www.army.mil/article/130...< Caution-https://www.army.mil/article/130...> DOD warns troops, families to be cybercrime smart -Caution-http://www.army.mil/article/1450...< Caution-http://www.army.mil/article/1450...> Use caution with social networking Caution-https://www.army.mil/article/146...< Caution-https://www.army.mil/article/146...> Please see our frequently asked questions section under scams and legal issues. Caution-http://www.army.mil/faq/ < Caution-http://www.army.mil/faq/ > or visit Caution-http://www.cid.army.mil/ < Caution-http://www.cid.army.mil/ >. The challenge with most scams is determining if an individual is a legitimate member of the US Army. Based on the Privacy Act of 1974, we cannot provide this information. If concerned about a scam you may contact the Better Business Bureau (if it involves a solicitation for money), or local law enforcement. If you're involved in a Facebook or dating site scam, you are free to contact us direct; (571) 305-4056. If you have a social security number, you can find information about Soldiers online at Caution-https://www.dmdc.osd.mil/appj/sc... < Caution-https://www.dmdc.osd.mil/appj/sc... > . While this is a free search, it does not help you locate a retiree, but it can tell you if the Soldier is active duty or not. If more information is needed such as current duty station or location, you can contact the Commander Soldier's Records Data Center (SRDC) by phone or mail and they will help you locate individuals on active duty only, not retirees. There is a fee of $3.50 for businesses to use this service. The check or money order must be made out to the U.S. Treasury. It is not refundable. The address is: Commander Soldier's Records Data Center (SRDC) 8899 East 56th Street Indianapolis, IN 46249-5301 Phone: 1-866-771-6357 In addition, it is not possible to remove social networking site profiles without legitimate proof of identity theft or a scam. If you suspect fraud on this site, take a screenshot of any advances for money or impersonations and report the account on the social networking platform immediately. Please submit all information you have on this incident to Caution-www.ic3.gov < Caution-http://www.ic3.gov > (FBI website, Internet Criminal Complaint Center), immediately stop contact with the scammer (you are potentially providing them more information which can be used to scam you), and learn how to protect yourself against these scams at Caution-http://www.ftc.gov < Caution-http://www.ftc.gov > (Federal Trade Commission's website)
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Do 609 letters rEvally work?And that loophole is called the 609 Dispute Letter. Here's the truth about 609 dispute letters: they absolutely do work in many cases. But, just like with credit report disputes, there's no guarantee, it will actually work.
Can I dispute a credit card charge that I willingly paid for?Dispute Credit Card Charge for Bad Service or Services not Rendered. The Fair Credit Billing Act\u2014a federal law passed in 1975\u2014gives you the right to dispute charges in case you are dissatisfied with the transaction through a process called Claims and Defenses.
What does disputing a charge mean?Dispute (credit card) ... Customers dispute charges for a variety of reasons, including unauthorized charges, excessive charges, failure by the merchant to deliver merchandise, defective merchandise, dissatisfaction with the product(s) or service(s) received, or billing errors.
What happens if you falsely dispute a credit card charge?Unauthorized or Fraudulent Charges But in a case where you didn't authorize the charge, there is more protection available for you. If your credit card was stolen and then used to make purchases, the company can't make you pay more than $50 of the unauthorized amount, as the Federal Trade Commission explains.
How long do you have to dispute a credit card charge?Time Limits For disputes under the billing errors category, the cardholder must file a dispute with the card issuer within 60 days of the first credit card statement listing the purchase -- not 60 days of the purchase itself.