There are 2 things in India which you get for free. First is tea and second is advice. Just like tea is not same everywhere, even advice is not same everywhere. With that, everyone’s individual choice for tea is different. Some like it mild, some would want strong. Some like it with milk, some without milk. Some would want sugar and some would not. Exactly the same way as specification, there is no common advice for anyone. They are also tailor made. Each of us would have different experiences of life. So one common advice will not work for everyone. With individual personalities, the traits, the requirement, the age and many more factors are associated with the advice to be given. Now, as it is available for free, everyone wants to give and major of us receive. But which one would perfectly suit us? Which one would not be required at all. In common things, where we know the facts, we are able to decide, which advice to listen for and which one to not. But what when we are unaware of any facts about the thing we want advice for? What is that one major thing we think should be there to listen to the advice and work on it?
The most of us are hardly aware of the facts related to credit health. Credit health is as important in today’s life as the physical health or emotional health is required. For physical health, we have doctors, dietitians, and different types of specified people. For emotional health, we have a therapist, physiologist, psychiatrists. But what about the credit health? Who are the specific people who are like doctors of credit health? Of all the people who give us credit related advices, whom should we listen to? This is a very different segment and currently, in India, rarely known entity.
First of all, we need to understand the basics of credit health. Credit score and credit report these are the basic parameters from where you can understand the credit behavior. But, what if it’s not understood? Or if it’s understood, there are few things you want more clarity on? What if it’s damaged and you want to repair or refurnish it? Understand a very basic thing. Please do not listen to any Tom, Dick or Harry’s advice here. Credit health is a very sensitive segment. Different people have different score according to the history they have, or the amount they owe, or the credit mix they have. So one common advice will not work for all.
It is very important that you understand that believe the credit related advice only form the experts. Common things work as common and exclusive. There are different credit health management companies who have certified councillors who advises the clients in a perfect manner. Credit Sudhaar, for that matter, is one of the very goof credit advisory platform available in India for credit healths. They have certified and ACCC certified credit advisors who would help you retain the lost credit score or try to increase the credit score or built the score from scratch.
The person who wants to apply for a personal loan should have a different strategy than the one who is applying for a home loan or a business loan. This depends on the previous credit repentants one has made, the bank one selects to get a loan from, the income one is earning and few more things. Now every individual has different numbers at these places. Also, according to the type of loan required, the criteria changes. For this, here the credit advisors are equipped enough to understand the individual entity of the client’s requirement, and the advice accordingly. It is important to understand that just like other advices, these won’t be commonly available for all.
With that, you should also make sure that the credit advisory organization you have approached is genuine enough. Read their reviews, ask them lots of questions. It is by default to be understood that not 100% client base is happy with the services one has got. Nut the major chunk of people should have appreciated so as to make sure that you not falling from one well to another. But it’s the time for you to rise and shine and become credit healthy!
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