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What is Credit Repair?
Credit repair basically means disputing the negative accounts on your credit report. This is what CIBIl Consultants do for their clients, and it’s effective. All three credit bureaus allow consumers to dispute any item on their credit report. When you dispute an item, the credit bureau has 30 days to validate the account. If they do not hear back from the creditor with satisfactory validation within 30 days, it must be removed from your credit report.
You need a professional credit repair company to fix your credit. Disputing accounts on your CIBIL report is something you cannot do yourself, and have success. Use the advice of CIBIL consultants to increase your credit score quickly. If you’re goal is to purchase a home, you should use the guide to maximize your credit scores before applying for a mortgage.
Your credit score is derived from your credit history, which was shared by the respective credit institutions from which you have taken loans, enquired loans or are part of loans taken by some other people. Your Credit score is the result of your credit behavior in the form of your payments history across loan types and credit institutions over a period of time.
CIBIL Transunion Score:
The first section reflects your Credit score. This ranges 300-900 and is derived basis the details mentioned in Accounts and Enquiry section (point 5 and 6) of the Credit report. Score above 700 and nearing 900 is considered as good. But having a good score should not stop you from reading the complete report…You never know J
This section details your name, date of birth, gender, Identification types and numbers as submitted at the time of opening of Credit facility and also changes made during the service tenure. If you had not taken any loan but only made an enquiry by submitting a proof, then symbol “e” would appear along with identification type.
Here you should cross check the exact details with the proofs you have. Your name spellings should also be correct. Else you should report through CIBIL Dispute resolution process.
This section of CIBIL Report will show your addresses, telephone and mobile numbers and email ids as reported by lenders. You may have applied for or been servicing different loans, while living at different places due to your job transfer, or your Rental accommodation, that’s why CIBIL report will provide up to 4 addresses, by categorizing them as residential, official, permanent or temporary.
Do review this section in detail. All address mentioned should be correct, else get it corrected.
This section contains details on your employment and income which was reported by you to credit institution at the time of opening of credit facility.
This is the most important section on which your credit score is based. This has all the details related to different credit facilities/Loans you have availed from different credit institutions.
It contains details as name of lender, type of loan, account number, Ownership and other specific details of loan with month on month record of up to 36 months of your repayments.
Besides ownership you also need to watch for “Open accounts”, under the date section. The Loans which are currently being serviced should be the ones that are open and all others which have been paid off should be “closed”.
There could be some loans which have been closed but still are showing in the “Open Status”, and thus overstate your Credit exposure, should be immediately acted on and be reported through CIBIL Disputes resolution process.
If the same account is reflected twice then also the report needs to be rectified.
You should also be wary of the words “Settled” or “Written Off” in your Account status section. These two words could be the main cause of your bad credit score. Settled- shows that you have not paid the complete amount due (with whatever reasons) and lender accepted this amount and written off the balance amount and closed the loan in books. Whereas “Written off” means amount has remained unpaid throughout the term.
If you are aware of this and know that something like this has happened in past, due to whatever reason, then you have to live with it, since such kind of transaction will keep haunting you for long. You cannot do anything about this, but what you can do is to work on other areas that help in improvement of your score. If you can’t do anything of negatives, better to work on positives.
Besides this you should also look at the payment History as shown in “Days past due” section. Anything other than “000” or “STD” is looked upon negatively by lenders and impacts your CIBIL score. If you have missed some payments, then better to fall in line and don’t miss or delay more EMIs, and you will find improved report in next 6-8 months’ time.
This section shows details on all the enquiries made by your lender on your credit application. It shows the name of the lender, date of enquiry, type of loan and its size. Please note that the date of enquiry and date of application may differ, as your lender may access your CIR report after a day or more you apply for loan.
But if you find some enquiries that you did not make, then it’s better to rectify this error through CIBIL Dispute resolution process, as enquiry section also impacts your credit score negatively.
Thiruvananthapuram (formerly, Trivandrum), the capital of the Indian state of Kerala, lies on the southwest coast of India. The place is well connected to most of the other major cities of India through rail, road, and air network. The city derives its name from Thiru Anantha Puram, which means the town of Anantha. In fact, Anantha is the deity at the Sree Anantha Padmanabhaswami Temple, a major landmark of the city believed to be several thousands years old. Legend has it that traders came to Thiruvananthapuram as far back as AD 190 for spices, sandalwood, and ivory. It was in the 18th century that Thiruvananthapuram shot into prominence when the erstwhile kings of the then Travancore state shifted their capital from Padmanabhapuram to Thiruvananthapuram. After India’s independence, the city was made the capital of Kerala. The city’s proximity to the sea gives it a pleasant climate throughout the year though the summers can turn a bit hot with the maximum temperature at times going up to 36.2°C. The monsoon here lasts from May to November.
Thiruvananthapuram is the capital city of the Indian state of Kerala. The city used to be known by the name of Trivandrum. It is on the west coast of India near the far south of the mainland. With 889,191 people as of 2001, it is the biggest city in Kerala in terms of size and number of people.
The city is the state capital and houses many national and state government offices, organizations and companies. It is also a major center of learning and is home to several schools and colleges including Kerala University, and to many scientific institutions, the most prominent being the Vikram Sarabhai Space Centre (VSSC), Sree Chitra Tirunal Institute for Medical Sciences and Technology (SCTIMST), Technopark, Rajiv Gandhi Centre for Biotechnology (RGCB) and Indian Institute of Space Science and Technology (IIST).
Thiruvananthapuram was known for long for its high human development at low incomes. But recent years have seen a great change in the status of Thiruvananthapuram. A fairly high density of population, close settlements in the lowlands and coastal plains and the increasing movement towards service sector employment has seen Thiruvananthapuram, urbanize rapidly. Urbanization has brought to the fore many daunting challenges before the State. Rapid urbanization calls for greater investment in transportation, housing, sewerage, drinking water and waste management. All this calls for vast improvement in the efficacy of public expenditure.
The economy of Thiruvananthapuram, the capital of the Indian state of Kerala, mostly consists of tourism and leisure, information technology, rubber plantations, production, tea, and education. There are many manufacturers, such as Travancore Titanium Products Ltd and English Indian Clays (The Thaper Group); but there is less industrialisation than in other major south Indian cities like Chennai, Kochi or Bangalore.
In Thiruvananthapuram, there are many medium and large scale industries which fall under central sector, state sector, co-operative sector, joint sector and private sectors. The Kerala State Industrial Development Corporation (KSIDC) is a public sector establishment to set up small scale and large scale industries effectively. The registered working factories in the city include oil mills, cashew factories and cotton textiles; sawmills, printing units, rubber industrial units, chemical units, match factories, general engineering units and automobile workshops. The S.M.S.M. Institute in Thiruvananthapuram is a major institution through which the products of the handicraft industries are marketed.
Thiruvananthapuram was rated as the best 2nd tier metro with IT/ITES infrastructure, and second in terms of availability of human talent. The district contributes 80% of software exports from the state. Technopark also houses global majors like Infosys,TCS, HCL, Visual Graphics Computing Services, Allianz Cornhill, UST Global, Ernst & Young Global Shared Services Center, Tata Elxsi, Oracle Corporation, IBS Software Services, NeST Software, SunTec Business Solutions etc. Technopark was established for the development of electronics and information technology in the State. It is India's first industrial park dedicated to electronics, software, and IT ventures. Started 1995, the campus at Thiruvananthapuram city covers an area the 330 acres and over 50,000 IT professionals are working here.
Kerala, which largely depends on the remittances of around two million Malayalis working in the Gulf, has now become a thriving job market for workers hailing from Assam, West Bengal, Bihar, and Orissa. Though the exact figure is not clear, a Labour Department estimate puts it at 20 lakh to 30 lakh, which includes skilled, semi-skilled, and unskilled hands. This is same in the case of Thiruvananthapuram as well being the capital of Kerala. Brought to the State by labour contractors, they come in search of better wages from Jharkhand, Chhattisgarh, Andhra Pradesh, and Tamil Nadu, and are engaged in sectors such as construction, hotels, footwear, plywood making, lottery selling, quarry and brick kilns.
These are the economic and employability picture of Thiruvananthapuram. There is no lack of availability of skilled persons within the city. But for new startups, the availability of land is a major issue. So expanding industries in outside city walls is the only possible solution in future. In order do that Good road connectivity is necessary. For that good planning is required.
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