salmanloanwala

CIBIL :-collects and maintains your personal information and records of your payments pertaining to loans and credit cards. This information is then used to create credit information report(CIR)and credit scores which are provided to lenders in order to help evaluate and approve/reject loan applications/credit cardsMajor factors affects for credit score1 Payment history.2 High utilization of credit limit.3 Higher percentage of credit cards or personal loans(also known as unsecured loan).4 Many new accounts opened recently.Different types of ownership seen in the cibil report1. Single 2.Joint 3.Authorized User 4.GuarantorCauses of negative or bad credit historyIrregular payment history, Write-offs and Settlements, High Current Balances, High number of Enquiries.Collection Agents:-In a word, NO.Many Collection agents use aggressive tactics in an effort to frighten you into paying them directly. Some will claim that they will not work with a settlement company or third party.Others will try to scare you into not working with settlement companies because they “will rob you of your money”. These are nothing more than scare-tactics because they know they will get more money out of you are forced to deal with them directly.If you are contacted, simply tell them that you are i enrolled with Debt Doctor for Debt Negotiation and settlement services, give them the telephone number of our help line(Which you will receive after enrolling),and then simply hang up. You are paying us to handle the dirty work, so don’t take more burden on your shoulders than you have to!CIBIL CLERANCE:-We will get the cibil report. Our CIBIL Management service includes analysis of your CIBIL report, steps to resolve any discrepancies, including its rectification. Further we assist individuals to increase their credit score and overall credibility in terms of credit worthiness clearing.