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Frequently Asked Questions

• 1. What's a good credit score?

  A good credit score is one that reflects a proper repayment history and management of credit. Usually, a score of 670 to 739 is considered good.

• 2. What factor affects credit score the most?

  There are several factors that affect your credit score, it is likely that your repayment history of loans, EMI payments and credit card bills is the most important factor.

• 3. How do I check my credit limit amount?

  You can check out your credit score and then check your eligibility for a loan. Your credit limit will be shown to you when you check your eligibility.

• 4. What are the ways to improve your credit score?

  To improve your credit score, make sure to pay all your loan EMIs, product EMIs and credit card bills on time. Also, use a good credit mix and utilize only around 30% of your available credit.

• 5. Is KreditBee connected with any of these credit agencies?

  All the KreditBee partnered NBFCs and Banks have collaborated with the four Credit Information Companies, and they send the repayment history of all KreditBee customers after each quarter to these companies.

• 6. How is my credit limit decided?

  Your credit limit is decided based on the authenticity of your documents as well as your previous repayment history which can be tracked via your KYC documents.

• 7. How can I enhance my credit limit?

  You can fill in all your documents correctly and verify your profile for a better credit limit. In some cases, you can even upgrade your credit limit by completing your VKYC.

• 8. What does “New to Credit” mean?

  In simple terms, ‘new to credit’ means that there is no existing credit score. This usually happens when the person has never borrowed money from anywhere before.

• 9. Why is your Credit Score important?

  Your credit score is important because it lets the lender know how capable you are of repaying the loan. It gives them a sense of assurance that you will repay the loan on time.

• 10. Is it possible to avail a loan above ₹ 1,00,000?

  Yes, based on your repayment behaviour and the documents provided, you may avail a loan with an amount of more than ₹ 1,00,000/-.