A self-check of signs that a credit profile may need attention. It does not produce a score or a risk rating.
| Check | Why it matters |
|---|---|
| Any payment in the last year was late | Recent late payments are recorded as days past due. |
| My card balances are close to their limits | High utilisation may be viewed less favourably. |
| I have applied for several loans or cards recently | Several enquiries in a short time may be noticed. |
| An account shows "settled" or "written off" | Lenders may view these statuses unfavourably. |
| I often pay only the minimum amount due on cards | Balances fall slowly and interest builds up. |
| My EMIs take a large share of my income | Leaves little room for new credit or emergencies. |
| I have not checked my credit report this year | Errors can go unnoticed. |
A self-check only: Finobazaar does not calculate a score or rating from it, and nothing is saved.
Related
- Building and improving your credit profileHabits that generally support a healthy credit profile, what to avoid, and why there is no fixed timeline or number of points.
- Credit score and credit report: what they areThe difference between a credit report and a credit score, who keeps them in India, and what may influence a score.
- Credit utilisation calculatorSee what share of your credit card limits you are using, and how much credit is still available.
- Debt-to-income ratio calculatorAdd up your monthly loan EMIs and other debt payments and see what share of your income they take.