Is no credit history worse than bad credit history in India?

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  • December 27, 2025 at 12:36 pm #960
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    December 30, 2025 at 12:22 pm #1159
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    In India, no credit history is usually better than bad credit history, but it can still make approvals harder because lenders don’t have enough data to trust you. With no history, you’re a “new file” case, so banks may ask for extra proof, offer lower limits, or reject some unsecured loans because profile thin hai. Bad credit history is worse because it shows missed payments, defaults, or heavy delays, and that can block loans for a long time. The good part is, no history is easy to fix: start small with a low-limit credit card (or a secured card), use it lightly, pay full on time, keep utilisation low, and give it 6–12 months. Bas discipline dikhao, and you’ll build a clean track record. Bad history needs more time and consistent clean payments to recover.

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