Personal loan ki duniya mein ek sabse bada darr hota hai “Rejection” ka, lekin usse bhi bada darr hota hai score girne ka. Jab aap loan dhoondhte hain, toh aapke samne do terms aate hain: Hard Enquiry vs Soft Enquiry. “Our Finocracy” par humara maqsad aapko ye batana hai ki kaise aapki ek chhoti si curiosity aapke credit score ke safar ko rok sakti hai. Ye topic humare purane article Credit Score 0 to 800 ke safar ko samajhne ke liye bahut zaruri hai.
Bahut se log sochte hain ki sirf “Check” karne se kya hoga, lekin bank ki nazar mein har enquiry ek alag kahani kehti hai. Isliye, soft credit check vs hard credit check के बीच का अंतर समझना आपके लिए उतना ही ज़रूरी है जितना सही इंटरेस्ट रेट चुनना.
Table of Contents
1. Soft Enquiry: Aapki Curiosity Jo Safe Hai
Soft enquiry tab hoti hai jab aap ya koi teesri party aapki credit report check karti hai, lekin kisi loan application ke liye nahi.
- Self-Check: Jab aap khud CIBIL par apna score check karte hain, toh wo ek Soft Enquiry hoti hai.
- Pre-approved Offers: बैंक जब बिना आपके मांगे आपको ऑफर्स देते हैं, तो वो बैकग्राउंड में सॉफ्ट चेक करते हैं.
- Zero Impact: Iska aapke credit score par 0% asar padta hai.
- Visibility: Ise ‘Soft credit check’ isliye kehte hain kyunki ye lenders ko dikhayi nahi deti.
2. Hard Enquiry: Bank Ka Wo “Audit” Jo Score Girata Hai
Jab aap kisi loan ya credit card ke liye formal application dete hain, toh bank bureau se aapki detail maangta hai. Ise Hard Enquiry vs Soft Enquiry ki ladaai mein ‘Khatarnaak’ maana jata hai.
- Direct Application: हर बार जब आप ‘Apply Now’ पर क्लिक करते हैं, एक Hard Enquiry ट्रिगर होती है.
- Score Reduction: Ek single hard enquiry aapke score ko 5 se 10 points tak gira sakti hai.
- Visibility: Ye enquiry aapki report mein dikhti rehti hai aur har lender ise dekh sakta hai.
3. Multiple Applications Ka Khatra: CIBIL Score Reduction After Loan Rejection
Sabse badi galti naye borrowers ye karte hain ki ek bank se reject hone par turant dusre bank mein apply kar dete hain. Ise impact of multiple loan applications on CIBIL kehte hain.
- Credit Hungry Behavior: Bank ke algorithms ise “Credit Hungry” behavior maante hain.
- Panic Signal: अगर 1 महीने में 4-5 हार्ड इन्क्वायरी आती हैं, तो बैंक को लगता है कि आप वित्तीय संकट (financial crisis) में हैं और वो लोन रिजेक्ट कर देता है.
- Cooling Period: Rejection ke baad kam se kam 6 mahine ka cooling period rakhna chahiye.
4. RBI Ki Nigrani: RBI Guidelines On Credit Information Pulling
RBI ne kade niyam banaye hain taaki banks bina wajah aapka data na nikaalein. Aap in niyam ki poori jankari RBI Official Website par jaakar le sakte hain.
- Consent is Must: बैंक बिना आपकी मर्ज़ी (consent) के हार्ड इन्क्वायरी नहीं कर सकता.
- Transparent Reporting: Agar aapne apply nahi kiya phir bhi report mein enquiry dikh rahi hai, toh ye ek fraud ho sakta hai.
- How to remove hard inquiries from credit report: अगर कोई गलत इन्क्वायरी है, तो आप उसे डिस्प्यूट फाइल (dispute file) करके हटवा सकते हैं.
5. Smart Strategy: Score Ko Kaise Bachayein?
Agar aapko loan chahiye hi, toh Hard Enquiry vs Soft Enquiry ke jaal se bachne ka ek smart tarika hai. Humne apne Emergency Fund vs Personal Loan wale topic mein bhi bataya tha ki backup fund kyun zaruri hai taaki aapko baar-baar loan na apply karna pade.
- Soft Check First: Pehle eligibility check karein jo soft check hota hai.
- One Application: Jab 90% surity ho jaye tabhi final application (Hard Check) dein.
- Credit Mix: एक ही वक़्त पर कई अनसिक्योर्ड लोन्स (unsecured loans) के लिए अप्लाई न करें.
Is puri process ko samajhne ke liye humare Resources page par maujood checklist ka upyog karein. Humne apne Loans section mein detail mein samjhaya hai ki naye borrowers ke liye kaunse banks saste loans offer kar rahe hain. Hamara About Us page padhein aur samjhein hum kyun aapki bittiya unnati ke liye kaam karte hain.
Hard Enquiry report se kab hat-ti hai?
Zyadatar credit reports mein ye 2 saal tak dikhti hai.
Kya loan reject hone par score zyada girta hai?
Rejection se zyada asar us application (Hard Enquiry) se padta hai jo rejection se pehle ki gayi thi.
Soft credit check vs Hard credit check mein bank ko kya dikhta hai?
सॉफ्ट चेक में सिर्फ बेसिक ओवरव्यू दिखता है, जबकि हार्ड चेक में आपका पूरा रीपेमेंट रिकॉर्ड बैंक के पास होता है.
Rejection ke baad turant apply kyun nahi karna chahiye?
Kyunki baar-baar hard enquiries se score lagatar girta hai aur bank aapko risky maanta hai.
Bina meri permission ke koi Hard Enquiry kar sakta hai?
Nahi, ye RBI ke Fair Practices Code ke khilaf hai.
Galat enquiry hatwane ka sabse tej tarika kya hai?
Bureaus ki website par jaakar ‘Dispute’ section mein enquiry ko challenge karein.
Kya car loan ki enquiry personal loan par asar daalti hai?
Haan, kyunki bureau aapki overall credit seeking capacity dekhta hai.
6-Month Cooling Period kyun zaruri hai?
Yeh पीरियड आपके स्कोर को स्टेबल होने का वक्त देता है और रिजेक्शन की संभावना कम करता है.
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