In today’s world, both individual consumers as well as businesses rely greatly on credit. Several factors determine the ease of availability of credit and the most important of these factors is the credit score. An individual’s credit score is a numerical representation of their creditworthiness and repayment capacity. Credit bureaus collect data on a borrower’s attitude towards credit and its repayment. T
An excellent or high credit score not only leads to quick approval but also makes one eligible for beneficial loan terms and conditions, such as a lower interest rate, longer repayment tenor and a high loan sanction. But, what is an excellent credit score or what is the minimum CIBIL score for loans? What does a CIBIL score of 0 mean? Is it possible to have a zero credit score or a negative credit score? This article answers these questions.
Here’s What Your CIBIL Score Says About You
An individual’s credit score is a marker that allows credit issuers to check a borrower’s creditworthiness and ability to repay a loan on time. In simpler words, a borrower’s credit score apprises the credit issuer of the risk involved in lending credit to the borrower. If you have a very good credit score, you can get approved for a loan quickly, get offers from almost all lenders and get the best loan terms and conditions. Before we proceed further, let us tell you a little bit about the CIBIL score range for loans.
If your credit score is 750 or above, yours is an excellent or a high credit score and availing of a Home Loan can be quite easy for you. A very good credit score falls within the range of 750 and 800. Anything between 625 and 750 is a moderate or fair credit score. Credit scores below 625 are considered low credit scores. If your credit score falls within the fair or low categories, availing of credit may not be easy for you. and if you have a good credit score, your credit issuer can extend better loan terms and deals if you attach a financial co-borrower or guarantor. However, if you have a very good credit score, you can enjoy quick approval and disbursal and if your credit score is excellent, lenders will offer the best possible deals for you.
Also Read: How to Increase Your CIBIL Score Above 800
However, is there a thing like zero credit score? What does credit score 0 mean? What is a negative credit score? Read on to know the answer.
What does a CIBIL Score of 0 Mean?
Credit information bureaus decide a borrower’s credit rating based on their credit history. However, when your credit history is still young or in other words, you have only recently availed of credit for the first time, you will have a zero credit score. A zero credit score simply means that your credit history is not available with the credit information bureau to give you a credit rating based on it.
So, should you be worried if you have a zero credit score? Not really. 0 is not a bad credit score – it simply means that it will take some time for your credit history to build up.
What Does a CIBIL Score of Minus 1 Mean?
If your credit history is less than six months old, credit information bureaus will give you a negative credit score. A credit score of negative (-1) simply means that you do not have a credit history and that you have not taken any credit to date. Therefore, the credit information bureau does not have enough information to decide if you are a reliable borrower or not. Now, the question is: is it possible to avail yourself of a loan if you have a zero credit score or if your credit score is negative (-1)? Let’s find out the answer.
Is it Possible to Avail of a Loan if You Have a Zero or Negative Credit Score?
While it will be difficult for you to avail of a loan if you have a zero or negative credit score, know that it isn’t entirely impossible to get approved for a loan with a negative or zero credit score. Here are a few tips that will help you get approved for a loan even if your credit score is 0 or (-1).
To start with, if you have a zero credit score, be patient and focus on repaying your loan on time. This will help you build a good credit history. On the other hand, if your credit score is negative (-1), apply for a small loan and repay it on time to build a good credit history.
If you have a zero credit score and you want to avail of a loan, you should try availing of a secured loan. A secured loan is a type of loan that involves collateral. Under this type of loan offer, a borrower pledges an asset as security. This asset could be a residential or commercial property. Since secured loans involve security, the risk involved for the lender goes down in the case of such loans. So, if your credit score is zero or negative, apply for a secured loan and not an unsecured one to improve your chances of loan approval. Further, repay the loan on time to build your credit history and increase your chances of loan approval in the future.
Lastly, try borrowing money from a lender with whom you already have some history or a lender who is willing to assess your application based on factors other than credit score, such as your income, employment history, and job stability.
Conclusion
Many borrowers assume that a zero or negative credit rating is a bad thing; it is not. It simply means that credit information bureaus do not have enough information about you to assign you a credit score. If you see a 0 or -1 on your credit report, do not get disappointed. Instead, use the tips mentioned in this article to build your credit history and credit rating. Alternatively, if you need a loan urgently, opt for a secured loan over an unsecured one to receive quick approval.
Read Also: Steps to Check CIBIL Score by PAN Number
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Here Is How a Bounced Cheque Can Affect Your CIBIL Score2023-06-06 | 5 min
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What to Know About CIBIL Score 2.02023-08-23 | 3 min
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CIBIL Score Charges & Services You Must Know2023-04-04 | 2 min
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What Is Credit Mix and How Can It Help Your Credit Score?2023-07-12 | 3 min
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How to Get a Good Credit Mix and Boost Your Credit Score2023-07-11 | 4 min
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Why Is CIBIL Score Important for Your Financial Health?2023-04-17 | 3 min
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What is CIBIL Score and How is it Impacted by a Missed EMI?2023-05-31 | 2 min
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The Role of CIBIL Score in Determining your Home Loan Disbursement Amount2023-05-31 | 2 min
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Minimum CIBIL Score for Business Loans2023-04-17 | 5 min
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Tips to Maintain Your Business CIBIL Score Above 7002023-02-02 | 5 min
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Is a Good CIBIL Score Mandatory for Home Loan Approval?2023-02-17 | 4 min
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Importance of CIBIL Score & Tips To Improve It2023-02-21 | 5 min
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What is the Procedure to Check your CIBIL Score Rating?2023-03-27 | 4 min
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Different Types of Credit Scoring Models You Must Know2023-03-16 | 5 min
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How Do You Establish a Credit Score for the First Time?2023-03-22 | 6 min
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Ways to Maintain a Healthy Credit Score and Profile2023-03-13 | 6 min
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Top Tips to Improve Credit Score Immediately to Get Your Loan Approved2023-03-30 | 5 min
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Reasons to Maintain a Positive Credit Profile and a High CIBIL Score2023-03-01 | 5 min
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Does Applying for Credit Affects One's CIBIL Score?2023-03-15 | 3 min
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Importance of CIBIL Score for Achieving Business Goals2023-03-16 | 5 min
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What Does Your Credit Score Reveal About You?2023-04-05 | 5 min
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7 Tips to Help You Improve Your CIBIL Score2022-12-21 | 5 min
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Boost Your Credit Score By Minding The Factors That Affect It2023-03-20 | 5 min
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10 Effective Strategies for Boosting Your Credit Rating2023-03-24 | 6 min
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Why Is It Important to Check Your Credit Report and How Often?2023-03-22 | 3 min
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Why is Credit Score Important After Retirement?2023-03-22 | 6 min
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5 Ways to Increase CIBIL Score After Job Loss2023-03-21 | 4 min
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Here’s What These Various Sections of a CIBIL Report Mean2023-03-21 | 5 min
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7 Easy Tips On How Chartered Accountants Can Increase Their CIBIL Score?2023-01-23 | 4 min
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High CIBIL Score Helps Low-Interest Rate Loans2023-09-20 | 5 min
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Some of the Common Credit Mistakes to Avoid2023-03-21 | 4 min
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How Long Does It Take to Improve a CIBIL Score2023-03-29 | 5 min
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How Can Customers Check Their Credit History?