Personal loans without ITR do not require Income Tax Returns (ITR) as part of the application process. Instead, these loans are offered based on other factors like your credit score, bank statements, salary slips, and overall financial stability.

A credit review involves evaluating a person’s or a business’s credit profile. It is conducted periodically and essentially helps creditors, such as banks, credit bureaus, and financial institutions to evaluate the credit history and financial health of potential borrowers.

A credit monitoring service is a tool that tracks your credit report and alerts you to any changes, such as new accounts, inquiries, missed payments, or suspicious activity. It helps protect against identity theft and ensures you stay informed about your credit health. Some services also provide credit score tracking and personalized financial insights.

Ever wondered how lenders decide whether to approve your loan or credit card application? The answer often lies in a single word: tradelines. These entries on your credit report tell the story of your financial habits: how you borrow, spend, and repay.  By understanding how tradelines work, you gain the power to improve your credit health and make smarter financial decisions. Let’s explore how tradelines work and why they matter to your financial future! 

A ‘Written Off’ status on your CIBIL report makes it tough for an individual to secure loans or credit in the future.  But what does ‘written off’ really mean, and more importantly, is it possible to remove it from your credit report? In this guide, we’ll break down what a ‘Written Off’ status is, its impact on your credit score, and the steps you can take to recover from it.