Honest politician - India toady poll

as per http://indiatoday.intoday.in/story/aap-lok-sabha-election-arvind-kejriwal-india-today-survey/1/339150.html

Favorite PM - India Today poll

As per http://indiatoday.intoday.in/story/aap-lok-sabha-election-arvind-kejriwal-india-today-survey/1/339150.html

aap-lok-sabha-election-arvind-kejriwal-india-today-survey

Arvind Kejriwal seen as most honest politician, Narendra Modi next in India Today poll.

The Aam Aadmi Party (AAP), which stormed into power in Delhi following its sensational electoral debut in the December 2013 Assembly polls, is now gearing up for the big league-the 2014 General Elections. Yet, despite the enthusiasm within the party and curiosity across the nation, the numbers don't seem to make the 7 km journey from Delhi Vidhan Sabha to Parliament any easier for Delhi CM Arvind Kejriwal and his party.

Read more at: http://indiatoday.intoday.in/story/aap-lok-sabha-election-arvind-kejriwal-india-today-survey/1/339150.html

How to access your acclaim cibil account from 570 to 750

In an online babble with Get Ahead readers Harshala Chandorkar, Senior Vice President -- Chump Relations, Communication & CIC Compliance Acclaim Advice Bureau (India) Limited (CIBIL), answered home accommodation queries.

swapnil pathak: I accept aloof accomplished my home loan, for my aftermost emi i faultered by 2 canicule for which coffer answerable me a amends of 225 rs. will this affect my acclaim rating?

Harshala C: Amuse analysis your CIBIL acclaim abode and score. If the coffer has appear that there was a delinquency, it will reflect on your acclaim report.

mayur ekbote: Who is the appellate ascendancy on CIBIL ? Is it RBI, civilian courts or added arbitrators?

Harshala C: Reserve Coffer of India is the regulator for CIBIL.

NEHA: I accept taken home accommodation of 30 lacs aftermost year & would like to anniversary added accommodation of 25 Lacs on addition acreage about i am acceptable for added 20 Lacs appropriately amuse let me apperceive the best options for acceptable accommodation eligibility?

Harshala C: If you accept busy the property, rental assets can be apparent as added income. This may enhance you eligilibility for college loan.

arif khan: can i get a Home Accommodation , If my Acclaim anniversary is actual low. about 525..???? & which accommodation can i get???

Harshala C: While anniversary coffer will accept its own acclaim scoring absolute based on the acclaim acceptance policies, it has been empiric that best banks are lending home loans to consumers with a acclaim anniversary of 750 and above. You will accept to admission the banks and acquisition out.

Navin Shah: One clandestine accounts aggregation allurement me to pay processing allegation for demography home loan. Is that normal?

Harshala C: Yes. Banks do allegation processing fees for loans.

Nilesh: how to anniversary salaried actuality accommodation of loan?

Harshala C: Best of the banks accept a accommodation accommodation calculator on their website. They will charge capacity of your Anniversary Income, Anchored Obligations, Loans taken. You can acquisition out your accommodation from these calculators.

devang desai: Some Banks allurement for BMC accustomed plan of action as able-bodied while cost of Accommodation is it compulsatory to give.

Harshala C: Anniversary banks has its set of abstracts that they ask for acknowledging a home loan. About the Accustomed affairs of the acreage are appropriate by the banks.

kamal—kamboj: I am 50 and alive in pvt. organization.What is best administration I may get for repayment

Harshala C: For a salaried person, banks will about accord a accommodation till the age of retirement. If the retirement age is 58 years in your organisation you may get a accommodation for 8 years.

mazhar shaikh: I accept a home accommodation and appetite to alteration the accommodation to added coffer but i accept a low CIBIL anniversary due to acclaim agenda adjustment but i accept apple-pie home accommodation almanac can i alteration the accommodation to added coffer will there be any issue? Acknowledgment in anticipation.

Harshala C: Anniversary coffer has its own acclaim policy. Amuse admission your own CIBIL abode and Score. A anniversary of 750 and aloft is advised a acceptable anniversary by best of the banks.

Alok: Can we annals 02 flats beneath one distinct name?

Harshala C: Yes. you can register

vijay Sharma: I activated to HDFC for home accommodation of 6 lacs & paid processing fee with Cheque of Rs5000 . HDFC accustomed me accommodation by sending a letter. Back I went for cost of my cheque. I am told that some certificate still appropriate from builder. Three months accept anesthetized but accommodation bulk still awaited. Why coffer answerable me proccessing fee?

Harshala C: Apart from processing fees banks additionally crave abstracts pertaining to the acreage that is actuality financed. Already they accept all the abstracts the cost is about done. Processing fees are calm upfront.

shishupaul bamotra: i took 6 lac home accommodation from UBI coffer (in april 2011. i am giving Rs 7000/month chapter (will be for 15 years). I appetite to accomplishment it as aboriginal as possible. Amuse adviser me

Harshala C: You can abate the administration if you admission your EMI. Alternatively you can accomplish allotment payments if you accept accustomed a agglomeration sum bulk - say from a anchored drop which has accomplished or bonus, etc.

amit pradhan: i appetite to pay added chapter anniversary to abate accommodation period. is it profitabele than lumsome pay?

Harshala C: Your administration will abate on both contest - if you admission your chapter or accomplish lumpsum payments. But it depends on the bulk that you ambition to pay as lumpsum and the added EMI.

tarun swain: i appetite to alteration my home accommodation anniversary to sbi from hdfc. But I accept taken the HDFC ERGO General Allowance from HDFC forth with the loan. Is that allowance will be vaild alike back i alteration my home accommodation to sbi.

Harshala C: Amuse analysis the acceding and altitude of the policy.

Prakash: can i get a Home Loan, my credic amount 1200 then…. ?

Harshala C: The CIBIL TransUnion Anniversary is a 3 chiffre numeric arbitrary of an individual’s acclaim history. The Anniversary ranges from 300 to 900 points. The afterpiece the individual’s Anniversary is to 900; the added favourably the accommodation appliance will be beheld by a Acclaim Institution.

Jenny Dsouza: How can we analysis CIBIL acclaim report?

Harshala C: Visit http://rediff.ly/1gsxk, cibil's website.

sarvjeet sudan: this is additionally my affair but acknowledgment is still awaited

Harshala C: CIBIL’s Altercation Resolution Department will analyse and avenue the altercation to the lending institutions for confirmation. Amuse bethink that CIBIL can alone accomplish changes to your report, already the lending institutions abide the updated/ adapted data.

Rahul Kadam: In CIBIL abode lots of apocryphal advice about analysis with accurate coffer for Home Accommodation and acclaim agenda apparent how can this be corrected.

Harshala C: Yes, CIBIL can advice you through its Altercation Resolution Process. 1. If you acquisition discrepancies again log in to CIBIL’s Altercation Resolution webpage: http://rediff.ly/22npj 2. Provide your name, address, date of birth, abode Control Number (CN) and the attributes of the dispute.

kamlesh Bhansali Ans: I got actual actual ablaze printed cibil abode from you. Afterwards complaint afterwards 20 canicule I got new copy. Your abutment info@cibil.com is TOOOO slow. I appeal you to analysis your tickting system. OR alarm you abutment nos to analysis acknowledgment time

Harshala C: We apologise for the aggravation acquired to you and will absolutely view into this matter.

Jude Rebello: I accept activated for home accommodation befitting my wife as a co-applicant. can i accommodate her name as the co-owner in the agreement?

Harshala C: Yes you can accommodate her name as the co-owner in the agreement. Do analysis your and your wife's CIBIL acclaim abode and score. Banks admission the CIBIL abode for both the appellant and co-applicant above-mentioned to acceptance the loan.

sudhakar B: Hi,I am 33 years old and my accepted booty home bacon is Rs 59000. Anniversary TDS is Rs 5000. I accept a outstanding claimed accommodation of Rs 169000, for which I am advantageous Rs 8706 EMI.What will be my home accommodation eligibility. I am attractive for Rs 20 Lakh with 15 years tenure.Thanks

Harshala C: Best of the banks accept a accommodation eligibity calculator. Amuse do admission your CIBIL abode and anniversary as able-bodied above-mentioned to applying for a loan. The CIBIL acclaim abode and anniversary is one of the important factors advised by banks for evaluating the accommodation application.

sudhakar B: What should be the CIBIL anniversary to get a home loan?

Harshala C: While anniversary coffer will accept its own acclaim scoring absolute based on the acclaim acceptance policies, it has been empiric that best banks are lending to consumers with a acclaim anniversary of 750 and above.

Mukesh Sinhal: I accept a Acclaim Agenda absolute of 3,70,000/- will availing home accommodation of Rs 25lakhs lower my accommodation sanction by 3,70,000/-

Harshala C: While anniversary coffer will accept its own acclaim scoring absolute based on the acclaim acceptance policies, it has been empiric that best banks are lending to consumers with a acclaim anniversary of 750 and above.

Snehal: what is the aeon advised to anniversary CIBIL appraisement for home loan?

Harshala C: CIBIL Abode is a ages on ages almanac of an individual’s loan-related EMI (home loans, claimed loans, auto loans and so on), acclaim agenda or defalcation payments. Acclaim history pertaining to all loans and acclaim cards is advised while accession at the CIBIL TransUnion Score.

sachin ganguwar: there are lot of issues adjoin cibil non updation i accept reminded banks to amend the cachet why is this happens so, why there is no concern fabricated to the chump anon back there is an O/s reflectiing in cibil report

Harshala C: Amuse accession a altercation with CIBIL. We will facilitate with the banks to accomplish updtaions in your records. Amuse agenda that CIBIL can alone accomplish changes to your report, already the lending institutions abide the updated/ adapted data.

Jagdish Rapata: I accept activated for CIBIL CIR by advantageous online... it is added than 4 canicule and the CIR is still not emailed to me. Afterwards I arrested chump complaint websites I begin abounding bodies accept not accustomed the reports. Your chump affliction and acquaintance advice on website is useless.

Harshala C: I apologize for the aggravation acquired to you. If you are auspiciously accurate you would accept accustomed an advantage to download your acclaim abode consisting your acclaim anniversary and additionally accept it via e-mail. Amuse analysis your spam box as well.

If you accept bootless the affidavit again you accept to upload scanned archetype of your character affidavit and abode affidavit on CIBIL’s website. The abode will again get delivered to you via accurate delivery

Mohit Jaiswal: If I booty a Claimed accommodation of Rs 10 lacs, I dont accord it through my bacon a/c, I dont acquaint the Coffer that I accept taken Rs 10 lac loan, will it reflect in CIBIL that I accept taken the loan?

Harshala C: Yes. CIBIL collects acclaim advice pertaining to borrowers from banks and acclaim institutions. It again collates this advice into acclaim letters and provides them to banks to advice them appraise accident while lending to a consumer. So the CIBIL abode will accept capacity of all the loans and acclaim cards availed by a consumer.

pankaj kumar: I accept two EMIs awaiting for claimed loan, would it be advised in artful Home accommodation eligibility.

Harshala C: Yes. they will be advised for artful the accommodation eligibility. But back you accept alone 2 EMIs awaiting the appulse will be negligible.

VIJAY NAUTIYAL: On a CIBIL anniversary of 571, can I get claimed or home loan???

Harshala C: While anniversary coffer will accept its own acclaim scoring absolute based on the acclaim acceptance policies, it has been empiric that best banks are lending to consumers with a acclaim anniversary of 750 and above. You can clean your acclaim history by creating appropriate payments on your accommodation and acclaim agenda accounts. Admission your acclaim abode at approved intervals to accumulate a tab on your acclaim history and administer for a accommodation alone back your acclaim abode and acclaim anniversary shows bit-by-bit improvement.

sanjay yadav: there is no anniversary on cibil report...

Harshala C: You may not accept a CIBIL TransUnion anniversary and accept a NA or NH cachet which implies- a) You do not accept a acclaim history or you do not accept abundant of a acclaim history to be scored, i.e. you are new to the acclaim arrangement b) You do not accept any acclaim action in the aftermost brace of years c) You accept all add-on acclaim cards and accept no acclaim exposure

Apindersingh: my acclaim anniversary is alone 596 can i get claimed loan

Harshala C: While anniversary coffer will accept its own acclaim scoring absolute based on the acclaim acceptance policies, it has been empiric that best banks are lending to consumers with a acclaim anniversary of 750 and above.

Haresh: My ancestor is affairs a collapsed in my name and he shall accomplish the acquittal for me. Can he accord a accommodation to me to buy this flat?

Harshala C: If he has the funds with him he can accord you a loan

ketu parikh: Hi, Requested to assignment out some arrangement that we can see our acclaim anniversary throughout a year with anniversary fees.

Harshala C: Thank you for a advancement for the Anniversary Subscription Scheme

sanjay yadav: hi , my creditscore is NA / NH ....so can i be elligible for loans???

Harshala C: NA or NH cachet implies- a) You do not accept a acclaim history or you do not accept abundant of a acclaim history to be scored, i.e. you are new to the acclaim arrangement b) You do not accept any acclaim action in the aftermost brace of years c) You accept all add-on acclaim cards and accept no acclaim exposure. Having said that, It is important to agenda that these Scores are not beheld abnormally by a lender and the lender will accept altered acclaim behavior for chump who don't accept a score.

Mohit Jaiswal: If I booty a Claimed accommodation of Rs 10 lacs, I dont accord it through my bacon a/c, I dont acquaint the Coffer that I accept taken Rs 10 lac loan, will it reflect in CIBIL that I accept taken the loan?

Harshala C: Yes. CIBIL collects acclaim advice pertaining to borrowers from banks and acclaim institutions. It again collates this advice into acclaim letters and provides them to banks to advice them appraise accident while lending to a consumer. So the CIBIL abode will accept capacity of all the loans and acclaim cards availed by a consumer.

VIJAY NAUTIYAL: ok, acknowledgment Harshala. Now how abundant of time does it booty to accession the CIBIL anniversary from 571 from 750? I accept that we accept accumulate our financials strong, not to administer for any loan/credit cards, accept to accomplish all EMIs on time etc..

Harshala C: You can advance you acclaim history and anniversary by creating appropriate payments on your accommodation EMIs and acclaim agenda dues.

Additionaly, Maintain a advantageous mix of credit, administer for new acclaim in moderation, adviser your co-signed, collective accounts monthly, Adviser the accommodation accounts for which you accept stood as a ‘guarantor’, Review your acclaim anniversary and history frequently

vivek porwal: Is it appropriate to pre abutting the loan. I had taken accommodation 3 Years afore now i appetite to abutting the loan. What's ur say?

Harshala C: Amuse appraise if the added funds that you accept will back college amount of interest/earnings than the amount of absorption that you are advantageous for the loan. If not, again pre pay your loan.

Harshala C: Thank you actual abundant for accommodating in the Rediff chat. Due to absence of time I was clumsy to acknowledge to all queries. It is appropriate to analysis your CIBIL Abode afore applying for a apartment loan. Appropriate payments of accommodation EMIs is best important for advancement a acceptable acclaim history and a advantageous acclaim score!

For more information visit CreditVidya

How to advance your CIBIL Score from 600 to 750?

How to advance your CIBIL Score from 600 to 750?

Rangan NV, a New Delhi-based middle-aged agent endemic a house, which he bought over 15 years ago. He had defaulted on brace of acclaim cards and accustomed at a adjustment with the banks at abundant bottom bulk afterwards a lot of bargaining. Back he did that he was appreciative of his achievement.

But anon he accomplished it was all in vain. He capital to advance in a additional home on the outskirts of New Delhi at an alien location. He capital to absorb his weekends there. So he activated for a home loan. “I was abashed to apperceive that acclaim account was about 600 and the coffer alone my loan,” said Rangan. Today he is alive appear convalescent his score.

Improving a acclaim account is no big accord for addition with a faculty of cyberbanking discipline. But it could be a ample assignment for addition who doesn’t accept any affectionate of barometer or activity to advance and absorb the money they earn.

But with Indian abridgement affective appear risk-based lending, it is acute for every alone to abatement in band back it comes to cyberbanking discipline; abroad they will end up accident a lot.It is important to agenda that the cyberbanking conduct is not absurd to achieve. Here are a few steps:

Check you CIBIL acclaim report: This is the aboriginal and best important footfall in bringing in a conduct to your cyberbanking life. Logon towww.cibil.com ample an online appliance form. Make a acquittal of Rs 470 application net cyberbanking or acclaim card. Go through the affidavit process, if it is acknowledged the acclaim account will be emailed to you in a brace of days. Afterwards you get your acclaim account amuse analysis if your name, age, date of birth, PAN numbers are accurate. If not, address this to CIBIL immediately. Then analysis for the accounts captivated and loans actuality casework beneath your name. If there are any discrepancies, address to CIBIL immediately, as it could accompany bottomward your acclaim score.

Manage your acclaim cards well: Some bodies like to advertise their acclaim cards. If their wallet has some 10 divisions, they would like to ample it with 10 altered cards. This is a audible no for a lender. “It artlessly shows that a being is acclaim hungry, this is not article we would like to see on a person’s acclaim history,” said a acclaim agenda administration official of Axis bank. So if you accept added than two acclaim agenda accounts abutting them immediately.

Make payments on time: Having too abounding acclaim cards becomes a botheration back it comes to payment. You may not bethink aftermost date for all the acclaim cards. Any adjournment in payments would allure surcharge, backward acquittal fees, absorption accuse and commensurable account taxes. So you ability absolutely end up advantageous a lot added than usual. And banks won’t let you go after accepting their money. Make abiding you pay not aloof your acclaim agenda ante on time but additionally your telephone, account and allowance premiums on time.  “Missed payments abnormally appulse acclaim history which best lenders appearance into it to actuate the accident on a -to-be borrower, admitting the change of this accident is additionally considered. As an example, a absence which occurred a decade ago will not accept the aforementioned appulse as a absence which occurred a year ago,” said a chief official with one of the bureaus.

Pay your ante in full: Every bill will appearance you minimum bulk due. Don’t get aflame that the bulk is abundant bottom than what you absolutely owe the bank. Always pay your absolute amount, because the actual bulk will appearance as behind in your CIBIL score, which could aching your account dearly. Additionally the banks will allegation absorption on the absolute bulk alike if you pay minimum bulk due.

Maintain a acceptable Acclaim Mix It is appropriate to accept a acceptable mix of anchored ( home loan, auto loan) and apart loans ( claimed loan, acclaim card). If your acclaim portfolio is skewed against apart loans, lenders may appearance this negatively.

Do not use your absolute credit: If your acclaim agenda has 1 lakh limit, it does not beggarly that you accept to use the absolute 1 lakh every month. Aloof because you are acceptable for a accommodation of Rs 50 lakh, it does not beggarly you accept to borrow the absolute 50 lakh. Acclaim appliance is a key constant for Acclaim score, appropriately accumulate your appliance lower to get a advantageous score

So deathwatch up to reality. Go get your acclaim account and assignment appear accomplishing that dream home or car. Live a financially advantageous life.

For more information visit creditvidya

How to advance your CIBIL Credit account in 2014?

How to advance your CIBIL Credit account in 2014?

It is the time of year back resolutions are fabricated with communicable enthusiasm. Some abide bald resolutions while others become an basic allotment of your life. Those that become an basic allotment of your activity change and accompany about a absolute change in the way you conduct your life. Among the abounding resolutions that accompany about a absolute change in your life, the resolution of convalescent your acclaim contour is a acute one. While there are a few who are abreast and strive appear advancement a acceptable score, there are abounding who are unaware. This majority realise the accent of accepting a acceptable annual acclaim annual back banks assert on alive their acclaim annual and about-face bottomward their accommodation applications on annual of low score. As a alpha to a New Year, I present to you a few accomplish that would advice you advance a advantageous acclaim score. It is about accustomed that a acclaim annual added than 750 is acceptable and elicits affirmation and assurance from banks.

Here are a few steps:

Step one: Know your acclaim profile
Go to Acclaim Information Agency of India (CIBIL) web armpit and cull out your acclaim report. Online affidavit action ensures that you charge not angle in the que. The moment you get the report, go through it. Analysis the acute numberyour acclaim score. Also analysis if there are some glitches in your acclaim report. Sometimes incorrect annal blemish the acclaim score. Say a coffer has not appear cease of a accommodation annual as the borrower prepays the absolute accommodation outstanding. If such a accommodation is apparent as 'settled' in your report, you should access the coffer and access a ‘no ante certificate’ from the coffer and abide it to the acclaim bureau. The acclaim address appropriately can be updated. If all is well, but your acclaim annual is low, it is the time to booty abutting step.

Step two: Switch in time…
Ensure that you pay all your loans due on time be it acclaim agenda outstanding or an EMI on the loan. Bigger ask your coffer for ambience up an ECS authorization to aggregate the accommodation bulk on the due date. This ensures that your loans are paid on time. Always advance acceptable antithesis in your coffer account.  Allotment payments would not advice they about accompany bottomward your acclaim score. This is an important footfall appear convalescent your acclaim score.

Step three Under one umbrella
If you admit too abounding accommodation accounts bigger consolidate the abate ones into a accommodation account. Access the coffer and accord capacity on all these loans and you can alteration the antithesis outstanding. Abounding banks are alms new-year appropriate loans schemes for antithesis transfer. You should account of such schemes. This holds acceptable for acclaim cards too. Afterwards you consolidate your loans, abutting acclaim cards with baby acclaim limit. It is bigger to accumulate two acclaim cards with acclaim absolute of Rs 2 lakh anniversary than four acclaim cards with Rs 100,000 each.

Step four: Superfluous credit
You should never admit too abundant of claimed loans and acclaim agenda outstanding. It brings bottomward the acclaim score. A home loan, however, won’t appulse your acclaim score. If you admit too abounding apart loans try to accord them bound one afterwards another. If accessible get a accommodation adjoin acreage or accommodation adjoin shares to pay off the aerial amount apart debt.

Step bristles - Acclaim limit
Never account of absolute acclaim limit. If you admit two acclaim cards with acclaim absolute of Rs 2 lakh each, and you are spending Rs 250, 000 on cards, try to absorb it Rs 1.25 lakh each. If you absorb Rs 2 lakh on one agenda and blow on the additional card, it appears that you are application your acclaim absolute on aboriginal card. This brings bottomward your acclaim score. And added chiefly never overspend afterwards all you admit to accord it.

Step six Being scrupulous
It is all simple till here. Now begins the acclivous task. Do not angle as a angel to anybody and everybody. Be careful and in that case too, conduct due activity on the borrower. If the borrower defaults, your acclaim annual goes down. Abounding a time we get calls from banks for claimed loans and acclaim cards—do not administer for anniversary one of them. Too abounding inquiries in a abbreviate amount of time are apparent as a credit-hungry behaviour and brings bottomward acclaim score.

Step seven Settlements
If you admit continued awaiting disputes with banks, don’t admit a settlement. Such acclimatized accommodation accounts blemish your acclaim score. Bigger sit with the coffer and try to break it amicably. Be accessible to disagreements and face the weaker links in the dispute.

For more information visit www.creditvidya.com

Improve cibil score - ways to get a good cibil score

Your credit history, other than your income, is the single most important tool used by a Loan provider to evaluate your application for any loan or credit card application. Naturally, it’s important that you understand your Credit Information Report (CREDIT REPORT) and what it takes to maintain a credit history, so that is viewed favourably by Loan providers. A good credit history can be maintained by following these 7 simple rules:

• Rule 1: Always pay your bills on time. Late payments are viewed negatively by Loan providers and may affect the chances of your loan getting approved.

• Rule 2: Keep your balances low. While the balances on your loans will only reduce over time as payments are made, you must be diligent about making timely payments on your credit cards. Also, you should control your utilization. For example, if you have used Rs. 90,000 out of a credit limit of Rs. 1,00,000, this may be viewed negatively by  a Loan provider. It’s always prudent to not use too much credit. 

• Rule 3: Maintain a healthy mix of credit. Your credit history should contain a mix of a home loan, auto loan and a couple of credit cards. A high number of just credit cards may affect the chances of a loan approval. Why is it so, you may wonder. Although a credit card offers easy access to finance, it’s also by far the most expensive form of credit. More the number of credit cards with high utilization, larger are the payments resulting from its high rate of interest.

• Rule 4: Apply for new credit in moderation. If you have made many applications for loans, or have recently been sanctioned new credit facilities, a Loan provider is likely to view your application with caution. This ‘Credit Hungry’ behaviour indicates your debt burden is likely to, or has increased and you are less capable of honouring any additional debt.

• Rule 5: Think twice before closing credit card accounts. While, using credit cards may negatively impact your credit history, unused credit cards actually imply that you are financially secure. This makes Loan providers view your application more favourably.

• Rule 6: Monitor your co-signed and joint accounts monthly.  In co-signed or jointly held accounts, you are held equally liable for missed payments. This is extremely important because your joint holder’s negligence could affect your ability to access credit when you need it.

• Rule 7: Review your credit history frequently throughout the year. Unpleasant surprises in the form of rejected loan applications can be avoided by ensuring that your CREDIT REPORT accurately reflects your current financial status. So reviewing your credit history 3-4 times each year is imperative.

Though these general rules are important to keep in mind, each loan provider has its own policies to sanction a loan to an applicant.

It is important to note that your CIBIL TransUnion Score will begin to rise as you improve your credit history

For more information visit https://www.cibil.com

how to get your cibil score ?

Procedure to get your CIBIL score online

Note that you can only get your CIBIL TransUnion Score (Including CIR) by paying Rs 450. You cant get CIR alone .

1. Fill up the online form

The first step is to fill up a form online here . It asks Name, address, Phone details along with Identity and address proof. At the end it would ask your Loan account number (credit card number in case of credit card) . Make sure you fill up the form correctly and also double-check that you are putting correct address, identity proof related number like PAN number , Passport number etc. Once you are done with this step, you move to step two, which is payment online.

2. Make an online Payment

Once you have filled up the form, and click on “Make Payment” button, you will be redirected to the payment gateway where you can make the payment of Rs 450 by credit card, NetBanking or other ways . I would suggest making a payment using net banking , because I used credit card option myself two times and it failed , but with Net banking option, I didn’t face any issue.

make sure you do not close the page after making the payment, it will redirect you to a CIBIL page where the 3rd step will be performed. Note that before you move to 3rd step , you will get an IDENTIFICATION ID number , please make sure you note it down properly.

3. Authentication

Now from security point of view, now you will have to answer 3 questions which would be related to your credit history. Once you answer these questions, your authentication will be successful and you will get your CIBIL score card in your email in next 4 days. You will get this message once authentication is successful

We will e-mail your CIBIL TransUnion Score (Including CIR) within 4 business days*. The On-Line Payment Confirmation is emailed for your record. For any queries on the status of your request, you can write to us with your Transaction Id at info@cibil.com after 4 business days.

You will get a receipt of payment which you can print right away and you will also get an email with PDF copy of your payment and other details.

If you want more information visit http://www.jagoinvestor.com/

Do you know this - Aam Admi Party

We are not here to capture power and rule Delhi. Who are we? We are the common man. The same common man who is sick and tired of the corruption and price rise. We think that if a government has to come into existence, it should be based on an unanimous will to deliver good governance and redress those problems from which they are suffering for so many years. Thus we wrote a letter to both of these parties. We have asked whether they support us on the following 18 issues which affect the people of Delhi directly 

Issue 1) End of VIP culture in Delhi : No member of the Delhi Legislative assembly, minister of the Delhi government or government official would be allowed to use transportation with red beacons. He will not live in big bungalows and shall not ask for special security for himself. Every minister/ official should live like a common man.

Issue 2) A strong anti-graft Lokapal bill would be passed. It would amount to investigation of all the scams that the Congress and BJP have done till now in the Delhi government and the MCD.

Issue 3) The law of Swaraj will be enacted in Delhi. The right to take decisions about his Mohalla/colony/street will be given directly to the people. The councillor and MLA funds in Delhi would be discontinued.  The money would be given directly to the Mohalla Sabhas so that the public decides on how to spend the money in its locality.

Issue 4) Delhi would be granted the status of a "Complete State"

Issue 5) Compulsory audit of all electricity companies. The electricity bills would be slashed to half.

Issue 6) Every malfunctioning electricity meter in Delhi would be probed for irregularities.

Issue 7) 700 litres of clean water would be supplied daily to each and every house of Delhi.

Issue 8) All unauthorized colonies in Delhi would be regularized within a year and basic civic amenities would be provided to them.

Issue 9) Jhuggis shall not be demolished till they people living there are provided with alternate houses.

Issue 10) Contract labour shall be abolished in services which are regular in nature. All jobs in such services shall be regularized.

Issue 11) The VAT taxes would be simplified and the VAT rates would be reassessed.

Issue 12) Foreign Direct Investement will not be allowed in retail in Delhi.

Issue 13) All the services and subsidies which are given to the farmers of other states would be provided to the farmers of Delhi as well. Without the permission of the Gram Sabha, land acquisitions shall not take place. More areas in Delhi would come under the jurisdiction of the Gram Sabhas by the extension of Lal Dora.

Issue 14) Government schools will provide better education than private schools. More than 500 new government schools would be opened.  The tradition of donations to private schools will be eliminated and there will be complete transparency in the fee structuring of private schools.

Issue 15) New government hospitals would be opened and government hospitals shall provide better healthcare than private hospitals.

Issue 16) A special task force for the safety of Women will be established. New courts would be made and new judges appointed so that the redressal of cases related to Women Harassment takes place within 6 months.

Issue 17) New judges to be appointed to facilitate the creation of fast track courts for these special courts mentioned above.

Issue 18) Other parties to support the Aam Aadmi Party in issues relating to central government.

For the first time in the history of modern India, a party is exhibiting a will to form an issue-based government instead of forming a government to merely acquire power. 

The BJP has refused to answer our letter.  The same BJP claims to offer issue-based support to the Aam Aadmi Party for the welfare of the people of Delhi. This goes to show that BJP is merely playing dirty politics. They neither want the welfare of the Delhi people, nor do they want to support any issue.

The Congress has replied. They say that 16 out of the 18 issues are Executive in nature and we would not need their support in discharging these duties. They are ready to support us on 2 of the other issues.

Everyone knows that Congress is an extremely sly party. It is the party that is diametrically opposed to our principles and policies and the main reason for the genesis of our party. How can we take the support of such a party to form a government? They have a history of tricking people like Mr. Chaudhary Charan Singh and Mr. Chandrashekhar and toppling their governments.

But some people say that with the Lok Sabha elections round the corner, the Congress cannot afford to cheat us. It is almost an obligation for them to support us. At least for 6 months, the Congress shall not resort to any sly tactics. In such circumstances, the Aam Aadmi Party should form a government for 6 months and push for the resolution of these issues that would benefit the public directly.

We are in a difficult situation. While some of our supporters feel that we should stay aloof and not take support from any of these parties and go for re-election, some others feel that the Aam Aadmi Party should try and form a government in Delhi and prove itself by delivering on what it has promised.

In such a situation, we reach out to you, the people of Delhi. We like you to weigh in with your suggestions. We don't believe in taking decisions in closed room meetings.  We want to ask the people because Aam Aadmi Party is not owned by a handful of men.  We are of, by and for the people. We would abide by whatever the people decide. It is advice of the people that shall hold supreme for us in decision making on this or any other issue.

You can go through manifesto at http://www.aamaadmiparty.org

Michael Schumacher's - Tragic Accident - Still in coma

Michael Schumacher's manager says the former Formula One champion remains in stable condition following a skiing accident that left him with severe head injuries and in a coma since Dec. 29.

The statement from manager Sabine Kehm does not mention the word "critical" for the first time since describing the seven-time champion's condition.

Schumacher has been in an induced coma in a Grenoble hospital since the Dec. 29 crash in the French Alps.

Kehm says that "Michael's family is very happy and confident with the work of the team of doctors treating Michael, and they trust them completely. Michael's condition is still considered as stable."

News In Detail :- 

A new witness account of Michael Schumacher's skiing accident in the French Alps last Sunday has emerged, confirming suggestions that the former Formula One champion was not travelling very fast when the crash took place.

A skier told the news magazine Der Spiegel that Schumacher had been going "at a leisurely pace … 20 kmh [12mph] max, not more".

The witness, a 35-year-old flight attendant from Essen, Germany, said he had stopped to film his girlfriend on his smartphone and accidentally captured Schumacher a few hundred metres away straying into an off-piste area and losing his balance.

The man said he planned to hand the evidence to the Albertville prosecutor's office in France, which is investigating the accident on the Méribel slopes.

Patrick Quincy, the Albertville prosecutor, told AP on Sunday that French investigators were trying to obtain a copy of the video.

Investigators are said to have possession of a camera that was fixed to Schumacher's helmet. It is unclear if it was switched on at the time of the accident, and whether it was damaged by the impact.

A video purporting to show amateur footage of the accident has been circulating on social media, but the clip – titled "Video: Moment de l'accident de Michael Schumacher! (EXCLUSIF)" – contains a computer virus.

         

When news of the accident first emerged last week, some newspapers reported that Schumacher had been travelling at up to 60mph. Schumacher's manager, Sabine Kehm, has rejected this version of events, claiming that Schumacher entered deep snow at relatively low speed shortly after stopping to help up a friend's daughter who had fallen on the tracks.

She also denied the family was reluctant to hand over the helmet camera. "It's false. Only Michael's health matters," Kehm was quoted as saying in the French papers.

The French prosecutor's office and the police say they will give more information about their inquiry into the accident in the next few days. "We will be holding a press conference on the progress of the investigation this week," said Patrick Quincy, the public prosecutor at Albertville. "In the meantime we ask for the circulation of false information about what I may or may not have said, or about elements of the inquiry to stop. Members of the Schumacher family also ask that their privacy is respected."

The former Formula One champion Mika Häkkinen has written to Schumacher wishing him a full recovery. The Finn, who is the same age as the German driver and who once suffered a life-threatening head injury during a training session, advises Schumacher to take his time to recover.

"Do me a favour: just this once don't try to beat the clock. You don't have to post your best time in this race. You have to take all the time you need," he said, signing off: "Take it easy, Mika."