https://www.taxtmi.com/news?id=42209 Lenders screen personal loan applicants on income, credit history, debt-to-income ratio and age to assess repayment capacity. The credit score functions as a composite indicator of past credit behaviour and current creditworthiness; higher scores lower perceived lender risk while low scores impede approval and can be worsened by rejected applications. The OneScore app offers free access to CIBIL and Experian reports via PAN, personalised credit-improvement recommendations and a Score Planner, plus a digital loan application and tools to report inaccuracies to credit bureaus, enabling access to lender offers once the app's score threshold is reached. en-us Mon, 28 Apr 2025 16:46:03 +0530 Mon, 28 Apr 2025 16:46:03 +0530 TaxTMI RSS Generator https://www.taxtmi.com/news?id=42209 Lenders screen personal loan applicants on income, credit history, debt-to-income ratio and age to assess repayment capacity. The credit score functions as a composite indicator of past credit behaviour and current creditworthiness; higher scores lower perceived lender risk while low scores impede approval and can be worsened by rejected applications. The OneScore app offers free access to CIBIL and Experian reports via PAN, personalised credit-improvement recommendations and a Score Planner, plus a digital loan application and tools to report inaccuracies to credit bureaus, enabling access to lender offers once the app's score threshold is reached. News - Mon, 28 Apr 2025 16:46:03 +0530 https://www.taxtmi.com/news?id=42209