Credit Pro Dashboard - Minemi

Hii👋

Thankyou for using MinEMI CreditPro!

Here are the details of your requested loan of ₹0

Awesome! here is your

Loan Summary

Total no. of running loans :

Overdue amount :

₹80,000

Total outstanding amount :

₹0

No. of late payments :

Poor

Good

Your Credit Score is

You are in a BAD😐 Shape

Great news! Your credit score is in good shape. Access a wide range of financial opportunities with competitive rates.

Report issue with the result Here

last update on

Factors Banks Consider Apart From Credit Score

Factor - 1

good-money-bag

Income Stability

Your income is stable and well-suited for loan approval.

Factor - 2

good-scale

Debt-to-Income Ratio

Your debt-to-income ratio is healthy, supporting a strong loan eligibility.

Factor - 3

good-calendar

Employment History

Your stable employment history enhances your financial credibility and supports loan approval.

Factor - 4

good-page

Existing Liabilities

Your existing liabilities are manageable, supporting your ability to handle additional financial commitments.

Based on your above Credit Score

good-shape

You are in a BAD😐 shape!

Financial Health Overview

You have a High probability of loan acceptance. You've got an excellent credit score! CreditPro is tailoring the best loan options for you.

YOU ARE ELIGIBLE FOR....

Loan amount

NaN

Loan Tenure

Interest Rate

undefined%

EMI

NaN

Our recommendation regarding your loan approval

1. Loan Consolidation

dual-files
Combine high-interest unsecured loans into one.
Opt for lower-interest, longer-tenure loans.

2. Reduce Credit Card Utilization

reduce-payment
Pay down credit card balances to below 30%.
Focus on high-balance cards first.

3. Avoid New Credit Applications

no-handshake
Refrain from applying for new loans or cards.
Each inquiry impacts approval chances.

4. Increase Income or Lower FOIR

income-growth
Explore ways to boost monthly income.
Cut unnecessary expenses to improve FOIR.

5. Consider Secured Loans

secure-shield
Shift some unsecured debt to secured loans.
Secured loans often have lower interest rates

6. Maintain Timely Payments

cash-payment
Keep all payments on time to reinforce good credit behavior.
Avoid late payments to support creditworthiness.

Frequently Asked Questions (FAQs)

Your credit score represents your creditworthiness and financial history. A higher score improves your chances of loan approval at lower interest rates

Minemi evaluates your credit score, existing loans, repayment history, income, and other financial factors to determine your chances of approval.

Your credit score is based on your payment history, credit utilization, loan inquiries, length of credit history, and credit mix.

Lenders consider multiple factors beyond credit score, such as high existing EMIs, frequent loan applications, unstable income, or unsecured loan dependency.

Minemi offers insights on your loan eligibility, risk factors, high-interest debts, opportunities to improve your score, and recommended credit actions.

Yes! Paying existing dues on time, reducing unsecured loans, limiting new credit applications, and maintaining a low credit utilization ratio can help.

Lenders may have specific policies regarding employment type, income consistency, or industry risk factors that affect loan approvals.

Work on timely repayments, avoid maxing out credit cards, reduce unnecessary loan inquiries, and maintain a healthy mix of secured and unsecured credit.

Yes, Minemi provides tailored recommendations for loans, balance transfers, and top-up options based on your financial profile.

Minemi uses AI-based algorithms to analyze your credit profile and suggests actions like reducing FOIR, consolidating loans, or negotiating better interest rates.

No, checking your credit score on Minemi is a soft inquiry and does not affect your score. Only lender inquiries impact your credit score.

It’s advisable to check your score and eligibility every few months or before applying for a loan to ensure better approval chances and terms.