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. score will improve over a period of 24 to 36 months. The credit utilisation ratio is calculated by dividing the credit availed by one’s credit limit. So, if you have a credit limit of Rs 80,000.

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Your credit history is, therefore, displayed as a score for lenders to use to determine if. Your credit utilization is the amount of credit you have available versus the. Both can prevent you from getting a loan; however, having a bad credit score is. Try and get flexible terms: Personal loans for bad credit need fast repayment.

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You can work with a lender who offers bad-credit home loans – also known as bad-credit mortgage loans – to get a better rate on your.

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But there can be situations when a Credit Card application may be rejected if the applicant has a poor credit history-or, in many cases. As the name suggests, a secured credit card comes with a.

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