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Here's what you have to do: As the system in booting hit F2 to go to Setup From there click 'System Configuration' then ' Function Key Behavior' Switch to '

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Marseille, a port city in southern France, has been a crossroads of immigration and trade since its founding by the Greeks circa 600 B.C. At its heart is the Vieux-Port (Old Port), where fishmongers sell their catch along the boat-lined quay. Basilique Notre-Dame-de-la-Garde is a Romanesque-Byzantine church. Modern landmarks include Le Corbusier’s influential Cité Radieuse complex and Zaha Hadid’s CMA CGM Tower. ― Google

As Russian troops move into the separatist regions of Ukraine, it's worth noting how much these events could impact the US economy

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A credit score predicts the likelihood of an individual to pay back their loan within the stipulated time frame. It is calculated using scoring model that employs a mathematical formula that uses information listed under an individual’s credit report.

Credit bureaus are responsible for calculating credit scores, and they do so by taking into account your credit inquiries, records of repayment, and credit history. Credit scores come in handy at the time of applying for a loan or a credit card. Should you avail either of these products from a non-banking finance company, a higher credit score may provide you with additional perks. These include a lower interest rate, a greater amount that’s been loaned, and a repayment tenure that suits you best.

In India, credit scores range between 300 and 900. As a general rule of thumb, you should aim to acquire a credit score of 900 if not close to it. This is because a high credit score optimises your chances of getting a viable deal on credit cards as well as personal loans.

Credit Information Bureau (India) Limited (or CIBIL) scores provide an overview of a person’s credit history based on different details. These include ‘account history’, ‘public records’, ‘credit summary’ and ‘credit enquiries’ that are found in their credit report. A higher CIBIL score have an easier time procuring a loan and/ or credit card. In the event that credit card or loan payments are made later than the outlined date, CIBIL scores can decline.

Here is a breakdown of the CIBIL credit score range.

NA/ NH – These stand for f “not applicable” and “no history”, respectively. An individual is most likely to get this if they haven’t previously used a credit card or taken out a loan owing to which they don’t have a credit history.

350-549 – A CIBIL credit score within this range isn’t viewed in a good light and is considered to be bad. It is indicative of your having paid your credit card or EMI bills later than the stipulated date. This rating makes it harder to procure a loan or a credit card as you will be at high risk of becoming a defaulter.

550-659 – This CIBIL credit score is considered fair. It indicates having struggled to pay your dues in time. With this score, you are likely to be able to avail of a loan, but the interest rates charged could be higher than if your credit score was superior.

650-749 – This CIBIL credit score is good, and it indicates that you are following good credit behaviour. Your effort is likely to be appreciated and may increase your score some more. Lenders will take into account any credit applications you make and will offer you a loan. However, the interest rate applicable to these loans may be at the lender’s discretion and not the borrowers.

750-900 – This is a perfect CIBIL score. It is indicative of regular credit payments along with an impressive payment history. Should you have this score, you will be offered loans as well as credit cards by banks as they will view you as the least likely to default on a loan.

CIBIL takes into account the following factors when computing credit scores:

Each time you make transactions that are relevant to your credit score determination, your bank will send details relating to the same to the four credit bureaus operating in the country. This is a mandatory requirement that’s been stipulated by the Reserve Bank of India. It is the norm for banks to keep credit information companies informed about your spending habits.

In case a bank then needs to check your credit score online, they can reach out to any one of the four bureaus. Each of these bureaus maintains the same credit score for each individual, so it doesn’t matter what bureau a bank selects.

Once this information has been received by a bank, credit bureaus will collect more information relating to your financial habit from different financial institutions and banks. This information will then be formulated by credit bureaus to create a credit report.

It is good to keep tabs on your credit score and your credit card score range as it can help you determine what your chances of getting a line of credit is. It is also important to be aware of this score to know if it declines or if an error has been made at the time of its calculation. This can help you make the necessary amendments with time.

The kind of enquiry made about a credit score can impact it. Credit score enquiries take on the following forms.

These inquiries are made by financial institutions who check your credit scores to determine how to proceed with your credit application. Each time you apply for a credit card or loan, the lending institution will check your score, which in turn can cause it to dip by a few points.

Should you, as an individual, make an inquiry, it is classified as a soft inquiry. This does not impact your credit score.

Credit scores are adversely affected by the following factors that can cause them to dip:

In conclusion, a credit score plays a crucial role in accessing financial opportunities and obtaining favorable loan terms. Maintaining a high credit score is essential for securing loans and credit cards with lower interest rates and higher limits. Understanding credit score ranges, such as CIBIL scores, helps interpret creditworthiness. Factors like late payments, bankruptcy, closing accounts, excessive credit applications, and neglecting credit report errors can adversely affect credit scores. Regular monitoring and responsible credit behavior are key to maintaining a healthy credit profile.

The Credit Analyser on Fi is a great way to not only view your credit score, but also get insights about the factors that influence your credit score. This will help you tweak your financial actions accordingly so that you can subsequently increase your credit score.

You can make a soft inquiry with your bank, which won’t impact your credit score. On the other hand, you can make a hard inquiry wherein a financial institution checks your credit score. This may negatively impact your credit score by a few points. You can also check your credit score on Fi without impacting your score.

A credit score ranging between 650-749 is good, while a credit score ranging between 750 and 900 is excellent. The latter entitles you to loans as well as credit cards from banks that will view you as the least likely to default on a loan.