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Loan EMI Credit Report Shoeb

The document outlines a loan from HDB Financial Services for Rs. 12,500 with an EMI of Rs. 1,583 over 6 months, starting on 04-Aug-2025. It also details a credit score improvement plan, estimating a potential increase of 70 to 130 points, resulting in a score of 740 to 800 after 6 months if payments are made on time. Additionally, it provides tips for managing EMI payments and monitoring credit scores.

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Shoeb Siddiqui
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19 views2 pages

Loan EMI Credit Report Shoeb

The document outlines a loan from HDB Financial Services for Rs. 12,500 with an EMI of Rs. 1,583 over 6 months, starting on 04-Aug-2025. It also details a credit score improvement plan, estimating a potential increase of 70 to 130 points, resulting in a score of 740 to 800 after 6 months if payments are made on time. Additionally, it provides tips for managing EMI payments and monitoring credit scores.

Uploaded by

Shoeb Siddiqui
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PDF, TXT or read online on Scribd
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Loan EMI Schedule & Credit Score Improvement Plan

Loan Details:

Loan Provider: HDB Financial Services

Loan Amount: Rs. 12,500

EMI Amount: Rs. 1,583

Tenure: 6 Months

Down Payment: Rs. 4,200

First EMI Date: 04-Aug-2025

EMI Payment Schedule:

EMI 1: Rs. 1583 on 04-Aug-2025

EMI 2: Rs. 1583 on 03-Sep-2025

EMI 3: Rs. 1583 on 03-Oct-2025

EMI 4: Rs. 1583 on 02-Nov-2025

EMI 5: Rs. 1583 on 02-Dec-2025

EMI 6: Rs. 1583 on 01-Jan-2026

Estimated Credit Score Improvement:

Current Score: 670

Home Credit loan cleared: +30 to +50 points

Timely HDB EMI payments: +30 to +60 points

No new hard enquiries: +10 to +20 points

Total Possible Increase: +70 to +130 points

Expected Score After 6 Months: 740 to 800 (if all payments are timely)
Tips:

- Set EMI reminders before each due date.

- Avoid applying for new loans or credit cards.

- Monitor your score monthly via apps like OneScore, Paytm, or CIBIL.

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