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Change in Credit Score – How Often Does it Happen?

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The change in the credit score depends on your credit-related activities. If you are applying for loans and credit cards frequently, the lenders would keep doing a hard credit enquiry. This would bring a change in the score in proportion to the frequency of the application made by the borrowers. Lenders, for instance, report individual’s repayment track to CIBIL every month. The credit bureau studies the repayment track thoroughly before making a change in the score or maintaining the status quo in about 30-45 days from receiving the report from lenders. So, if the score does change, you can expect to see an updated credit score in a maximum of 60 days.

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Personal Loan Interest Rates October 2019
Bajaj Finserv10.99% - 16.00%
Fullerton India14.00% - 33.00%
HDFC Bank11.25% - 21.45%
ICICI Bank10.99% - 18.40%
IndusInd Bank10.99% - 16.00%
Kotak Bank10.99% - 20.99%
RBL13.00% - 18.00%
Standard Chartered Bank11.50% - 18.00%
Tata Capital10.99% - 18.00%
Home Loan Interest Rates October 2019
State Bank of India/SBI8.15% - 8.80%
HDFC8.35% - 8.95%
LIC Housing8.35% - 8.95%
PNB Housing Finance9.25% - 12.00%
Piramal Capital & Housing Finance9.00% - 9.10%
Tata Capital9.20% - 9.35%
ICICI Bank8.65% - 9.40%
Bank of Baroda8.40% - 9.40%
Axis Bank8.90% - 9.15%
Citibank9.00% - 9.85%
Indiabulls Housing Finance Limited8.80% - 11.05%
Kotak Bank8.90% - 8.75%
DHFL9.05% - 9.95%
Reliance Home Finance8.75% - 14.00%