Jignesh Dodiya

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Archive for May, 2008

The CIBIL – Credit Information Bureau India Limited

Posted by jigneshdodiya on May 27th, 2008 filed in Credit Cards








In modern world of banking, to help banking and financial institutions to better evaluate the credit worthiness of a customer, Credit Information Bureau (India) Limited and Transunion Score launched the credit score solution. The CIBIL – Credit Information Bureau India Limited is accumulating all your card payments records and your defaults and maintaining records of all major banks.

How CIBIL works?
CIBIL evaluates the credit history of every customer on the basis of CREDIT SCORE. A credit score takes a snapshot of a consumer’s credit report and through advanced analytics turns the information into three-digit number representing the amount of risk a consumer brings to a particular transaction. A credit score is a number between 300 and 900 that sums up a customer’s credit record. This means that every time you pay late on your loan EMIs or your cheque bounces on loans, all this is getting recorded and deducting your scores. Any of the payments you don’t make on Credit cards is making sure that you don’t get a loan or Credit Card in future!

Your Credit Score reflects your credit History
When you approach a credit grantor for credit, your application will be evaluated on the basis of your past payment history, existing credit lines and other factors such as income and security. In this case, a good Credit Information Report (CIR) is one of the best indicators of the level of risk you present to the credit grantor. A CIR that reflects a good past payment history may lead to credit being granted on better terms. On the other hand, a CIR, which indicates that a borrower has been delinquent on several occasions, could lead to denial of or extremely expensive credit.

Advantages of good Credit score?
• You will be required to furnish fewer credit documents
• Turnaround time for your proposal will be faster
• You would also get a lower rate of interest

How Can I improve my Credit score?
• Immediately establish a budget in order to control your cash outflows.
• Ensure that your income level permits an additional monthly outflow if you plan to take a loan.
• Investigate your options in order to reduce your interest and other credit related costs, e.g.,
  refinance an outstanding loan at fixed interest rates if there is a significant drop in interest rates
  or you discover a significantly cheaper option, etc.
• Use some of your savings to repay some of your debt.
• Understand why you have a bad credit score and work on fixing those specific problems
• Always pay on time.

eNjoy…..

….. Jignesh Dodiya

Dard e Disco in Gujarati with Shah rukh khan

Posted by jigneshdodiya on May 17th, 2008 filed in Fun




Dard e disco Gujarati remix from Om Shanti Om.






If you enjoyed and interested more, click the links below.

Spiderman - Gujarati version
Spiderman part-2 - Gujarati Version
Dholida Dhol Re Vagad
Ubho tha rap song
Sholey

This is the link to Surat - Tribute to Surat - how surat stood up from the heavy flood.
Tribut to Surat

eNjoy…..

….. Jignesh Dodiya

DarkLight WP Theme : CSS problem with Firefox

Posted by jigneshdodiya on May 15th, 2008 filed in Website




Recently I changed my blog theme to DarkLight WordPress Theme by Lorelei Web Design.

When I changed my theme, it was working fine with IE-7 but in Firefox, the theme was unable to load. My Friend Naresh Khokhaneshiya has worked out and found the solution. Thank you Naresh and Alpesh for your efferts to enable above theme in Firefox.






Solution : the problem was in syle.css. :
@import url(”../hide1a.css”); - for the firefox, it can not identify url tag, so just removed url and it worked fine for me.

@import (”../hide1a.css”); - working file with this format in Firefox.

eNjoy…..
….. Jignesh Dodiya.