Arjun

Arjun is GroScore's Personal Credit Coach. Arjun has analysed 1 lakh+ credit reports and helped 50,000+ users understand and improve their credit scores.

Credit Report Disputes

Check My Active Loans: Unknown Loan on Your Credit Report?

A loan you never took is either an error or fraud. Either way, the fix starts today.

Check Credit Score

Real Credit Score Check: Why Scores Differ Across Apps

Two apps, two different numbers, and both can be right. Here's why, and when a gap is a warning sign.

Loans & CIBIL Score

Does Closing a Loan Affect Credit Score? Prepaying Explained

Paying off a loan is good news for your wallet. Here's what it does to your score, and the paperwork that decides whether your report agrees.

Credit Score Basics

650 Credit Score: Is It Good? What 600-699 Means for Loans

Fair, not bad. What a 650 unlocks, what it costs you on a loan, and the three fixes that usually move it first.

Instant Loans

Instant Loan Low Interest: How to Find the Real Cost (APR)

The lowest headline rate is often not the cheapest loan. Here's how to work out what an instant loan really costs, with the arithmetic shown.

Low Credit Score

How to Improve CIBIL Score After Settlement: A Step-by-Step Plan

Settled a loan or card? Here's what that word does to your report, the one option worth asking your lender about, and a plan for the year after.

Credit Score Factors

Does Increasing Credit Limit Affect Score? What Really Happens

A bigger card limit can help your score, do nothing, or quietly hurt it. Here's how to tell which one you're about to get.

Credit Cards

Minimum CIBIL Score for Credit Card: What Banks Look For

There's no single cut-off. Here's the indicative score for each kind of card, what banks weigh besides the number, and what to fix before you apply.

Credit Score Basics

800 Credit Score: Benefits, and Is It Worth Chasing?

An 800 is excellent. Here's what it really buys you, and why another 50 points usually matter less than your EMIs.

Credit Reports & Bureaus

Credit Reporting Agencies in India: 4 Bureaus Compared

Four bureaus keep a file on you. Here's how they compare, and why your scores never quite match.

Check Credit Score

Credit Score Update: How Often Does CIBIL Update Your Score?

Lenders now report every week. Here's how long a payment really takes to reach your report, and what to do when it doesn't.

Instant Loans

Instant Bank Loan vs NBFC vs Loan App: Which Is Safer?

Banks, NBFCs and loan apps can all be safe. The difference is who actually lends you the money, and you can check that in five minutes.