How Long Does Negative Information Stay On Your Credit Report
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Indialends, 01 Oct 2025

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How Long Does Negative Information Stay On Your Credit Report

Aug 30, 2018

 

Your credit score is the cumulative result of your financial history. Every positive action that you make leads to an improvement of your credit score. In the same way, very negative takes it down a notch. But every sin has a tenure in the case of credit scores. Let’s see how long various negatives continue to hold your credit score back-

 

Previous Article: Everything You Need To Know About SBI Credit Cards

 

FAQ’s

Loan against mutual funds (LAMF) allows you to borrow cash against your mutual fund investments as collateral. You can use Volt Money to lien mark your mutual funds digitally to avail an instant limit without losing the ownership of your mutual funds and all the associated benefits with it. Funds will be made available in the form of an overdraft facility.

The annual fee for the Axis Privilege Card is typically Rs. 1,500 plus taxes. This fee can be waived if the cardholder achieves an annual spending milestone, though the exact spending amount for the waiver can vary by card variant. For example, a common waiver condition is spending above Rs. 2.5 lakh in an anniversary year.

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Yes, you can apply even with a low CIBIL score, but your chances of approval may be limited. Most banks and lenders prefer a CIBIL score of 750 or above for quick approval and better interest rates. If your score is lower, some lenders may still consider your application based on other factors such as your income, employment stability, or existing relationship with the bank. However, you may be offered a lower loan amount or higher interest rate. Improving your credit score before applying can increase your chances of getting approved on favorable terms.

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