#cibil

[mmm-asbestos]

the song girl early designs and other blorbos

[dragon8er]

Merry Christmas, and a Happy New Year!

Hey guys, Dragon8er here!

Merry Christmas!

What do you mean it's not Christmas?

It's still December!

But for real, this was a Secret Santa I made in a server I'm in this year, for @masterofthenova!

I just forgot to post this lol.

Shoutouts to Nova, by the way.

She's awesome. These are her characters Cibil (left), Ash (middle(kinda)), and Decay (right). They're AU versions of Poppy, Dusted, and Rust. They're peam.

This was actually a lot of fun to make. It's fun to design Christmas outfits for characters, I need to to it more. And I'm quite pleased with the end result. It came out pretty much as I imagined it, which is always awesome.

I also made a drawing to celebrate today as not only New Year's Eve, but also as the birthday of my good friend Proctor Dorkchop!

Shoutouts to him!

And happy Birthday!

The characters included in this are (left-right):

-Lily (Fungal!Fell) [@bigfungus7] -Dreward [@cojo102] -Mono (@ut-monochromasis) [me] -Royelle (Asgore Adopts Noelle) [@holidayking102] -Poppy (@ut-poppy-askblog) [@fmsdraws] -Pan-Girl (@ut-pan-girl-askblog) [@proctor-dorkchop] -Cadence [@g0at0ad] -Duo (@secondshiftau) [Ace] -Chloe (@pacifideundertaleau) [@aurora-borealie] -Felley (@univer-underfell) [@its-the-univer-blog] -Louie (Undertale: Restore) [@shigg315]

I also had a lot of fun making this.

And I also made this.

For those unaware, every year I make a little unscripted video of me just. Talking into the mic, going over the year and how I felt about it and how it was for me.

And this year, I decided to upload it everywhere, not just to DeviantArt.

So yeah. Happy New Year's, everyone! Here's to 2025!

This has been Dragon8er, and I will see you all then!

Drago-l8er!

[flourballoon]

Ethan Winters 🍄 ✨

annual redraw

[everydayloanindia1]

A few months ago, I found myself in a frustrating situation. I needed a personal loan urgently, but my CIBIL score was too low to get approved. It was below 600, and I had made a few mistakes in the past, like missing credit card payments. I felt stuck and thought I wouldn’t be able to get the loan I needed. But I decided not to give up and took action. Here’s the story of how I turned my low CIBIL score around and eventually got approved for a personal loan.

[myrupia-blog]

Understanding Your Credit Scores

Credit scores is a crucial figure in the world of finance. It determines a borrower’s ability to get approved for loans and interest rates. However, many people do not understand how their scores are calculated, which factors can affect their scores or what they can do to improve their scores. Read more..

[safelifeins]

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[dragon8er]

Merry ChristmAUs, everybody!

I'm very glad to have been a part of this. It's one of the things I look forward to most each holiday season.

I participated quite a lot this year's.

Firstly was my bois from 8erfell, my own Underfell take.

Then my bois from Dragontale.

Then of course, I submitted Mono from @ut-monochromasis, but also Chloe from @pacifideundertaleau (created by @aurora-borealie) and Louie from Undertale: Restore (created by @shigg315)

Then I also submitted my little shit X!Poppy, AKA Lotus.

And I also submitted my two weirdos SAVE!Point and LOST.

I also submitted Silksuit!Muffet (created by me and @bigfungus7) and MKpants.

And I also submitted my girl Charcoal!Poppy and her sister Buttercup!Poppy (also created by Fungus).

Featuring a lil cameo of Cibil!Poppy, created by @masterofthenova.

And lastly, I submitted the scrunklies from Slumbertale, created by @rainingskeletons.

I also made a bunch of ornaments and gifts, one for each character I submitted. You guess which goes to who lol.

Memy ChristmAUs, everyone!

And Happy HollidAUs!

CHRISTMAUS 2024:

(Animated Image)

(Static Image)

I want to thank everyone for participating in this years ChristmAUs! My first year helming such a massive project like this, and hopefully it only gets bigger and better from here! And I want to thank @fmsdraws / @ut-poppy-askblog for handing the reigns of ChristmAUs to me this year. After his massive game last year (GO GET IT HERE), he deserves a nice rest.

CREDITS:

[finezzy2]

10 Quick Tips to Improve Your CIBIL Score

With the increasing emphasis on financial literacy, people are recognizing the importance of the CIBIL score as a crucial indicator of creditworthiness. This three-digit number is pivotal in accessing various financial products such as personal loans, credit cards, and home loans. Understanding its significance is particularly critical when seeking a personal loan with a low CIBIL score. The score, ranging from 300 to 900, provides a snapshot of one’s credit history, including repayment patterns, credit utilization, history length, and other credit-related activities. A higher CIBIL score indicates responsible credit behavior, enhancing approval chances at favorable terms, while a low score raises concerns for lenders. Improving a low CIBIL score requires strategic efforts, including timely payments of EMIs and credit card dues, maintaining a low credit usage ratio, avoiding multiple credit applications, and monitoring one’s credit score regularly. These steps, along with maintaining a healthy credit mix, clearing existing debts, and judiciously increasing credit limits, can gradually improve one’s CIBIL score, paving the way for better financial opportunities and stability.

[sakinsagency]

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[mmm-asbestos]

Making my ocs into sprites so i can play with them like dolls

[csl-finance1]

How to Check CIBIL Score Online: A Step-by-Step Guide

Your CIBIL score, a three-digit number ranging from 300 to 900, plays a crucial role in your financial journey. It represents your creditworthiness, based on your history of credit repayment. The higher your score, the more favorably lenders view your profile, often resulting in better interest rates on loans and credit card approvals. Given its importance, checking your CIBIL score regularly is a wise financial habit. Here's a comprehensive guide on how to check CIBIL Score Online:

Step 1: Visit the Official CIBIL Website

Start by visiting the official website of TransUnion CIBIL, the organization that compiles credit scores in India. Their website is user-friendly and secure, providing various services related to credit information.

Step 2: Create an Account

For First-Time Users: You'll need to create an account. Click on the link or tab that says “Get Your CIBIL Score” or a similar call-to-action.

Account Creation Process: Provide necessary details such as your name, email address, ID proof (PAN, Aadhaar, etc.), and other relevant information as prompted by the website. Ensure the information is accurate to avoid discrepancies with your credit report.

Step 3: Choose Your Subscription

CIBIL offers various subscription plans, including a one-time report or yearly subscriptions for those who wish to monitor their credit score regularly. Select the plan that best suits your needs. Note that CIBIL might offer a free once-a-year option or other promotions, so look out for those.

Step 4: Verify Your Identity

To access your CIBIL score, you'll be required to authenticate your identity. This is a security step to ensure that sensitive financial information is handed over to the right person.

Authentication Process: You may be asked to answer questions related to your credit history, such as details of past loans or credit cards. This is to verify that the person requesting the score is indeed you.

Step 5: Access Your CIBIL Score and Report

Once verified, you'll gain access to your CIBIL score and report. This report not only includes your score but detailed information on your credit history, including credit accounts, repayment history, and any inquiries made by lenders.

Step 6: Review Your Report Carefully

Understand Your Score: Familiarize yourself with where you stand on the credit scale. A score above 750 is generally considered good.

Check for Inaccuracies: Review all the listed accounts and payment histories for any discrepancies. Errors can negatively impact your score, so it’s important to report them immediately.

Step 7: Dispute Errors if Any

If you find any inaccuracies, you can file a dispute directly through the CIBIL website. Provide supporting documents and a clear explanation of the discrepancy. CIBIL will verify the information with the respective lender and update your record accordingly.

Importance of Regular Checks

Regularly checking your CIBIL score allows you to:

Monitor Your Financial Health: Understand how your financial behavior affects your credit score.

Identify and Rectify Errors: Ensure your credit history is accurately represented.

Plan Financially: Knowing your score is beneficial when planning to apply for loans or credit cards.

How To Improve CIBIL Score

Want to know how to improve CIBIL score immediately? Focus on paying bills on time, reducing credit card balances, maintaining a diverse credit mix, limiting credit applications, settling outstanding dues, and monitoring your score regularly. These actions can positively impact your creditworthiness and help boost your CIBIL score over time. Consistent financial discipline and responsible credit management are key to improving and maintaining a healthy credit profile.

Conclusion

Checking your CIBIL score online is a straightforward process that can be done from the comfort of your home. By staying informed about your credit health, you can take proactive steps to improve or maintain a good credit score, securing your financial future. Remember, a good credit score is a key to unlocking many financial opportunities.

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[homeloansguide101]

Credit Score can affect your entire financial eligibility. You should try and maintain the best score possible for you. Know more about credit score and how to improve it here.

[sivasaravanachits]

What Is Home Extension Loan

Are you considering extending your home but worrying about the financial aspect of it all? A home extension loan might just be the solution to your predicament. In this post, we will dive into what a home extension loan is and how it can help you achieve your desired extension project.

A home extension loan is a type of loan that you can apply for to finance an extension project to your home. It is also known as a home improvement loan and is specifically designed for homeowners looking to improve their living space. With a home extension loan, you can borrow a specific amount of money that is paid back with interest over a predetermined period.

One of the benefits of a home extension loan is that you can choose a repayment plan that is suitable for your financial situation. You can opt for a fixed rate loan Mortgage loans where the interest rate remains the same throughout the repayment period or a variable rate loan where the interest rate fluctuates.

Another advantage is that it allows you to improve the value of your home. By extending and renovating your home, you increase its market value, making it a smart financial move in the long run.

To qualify for a home extension loan, you need to meet specific eligibility criteria. This may include proof of income, credit score, and collateral if necessary. It's essential to check with your lender on the specific requirements before applying for the loan.

When choosing a home extension loan, it's also crucial to do your research and compare interest rates and terms from different lenders. Instant loan without CIBIL Look for a lender that offers competitive interest rates, flexible repayment options, and reasonable terms.

Conclusion:

In conclusion, a home extension loan can help you finance your dream home extension project. It is an excellent option for homeowners looking to improve their living conditions while increasing the value of their property. Ensure to do thorough research before choosing a lender and qualify for the loan. A home extension loan can be an essential tool in turning your home into a comfortable and functional living space that fits your family's needs.