10 Things that Lower Your Credit Score

No credit card application or loan is approved without checking your credit score. Credit score is not merely a fancy term. Banks and credit card companies check it before extending you a loan or approving a credit card application. So if you think late payment, non-payment of a bill and cancellation of a credit card are trivial issues, think again and think long term. These things can ruin your credit history. Thus lowering your credit score. You may not worry about it now. But it does affect your future loans. Even service providers have started looking for it now. Here are 10 things that lower your credit score, and you must pay attention to all of them:

Late Payments

Payment history immensely affects your credit score. CIBIL gives nearly 30% weight to your credit history. So pay your credit card bills and EMIs on time. Paying your credit card bill late lowers your credit score in addition to attracting penalties. Don’t make it a habit. Pay all your bills on time. One late payment may not affect your credit score but repeated behaviour can cause serious damage to your record.

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Wailing Woes

On her frail shoulders, the threads of Pashmina talk. Of a valley, of heaven, of a moonlit night. Demure, she froze amidst the discordant noise, Charred bodies around her, her flesh and blood died. On moonlit nights, hence she walks barefoot on the snow, Suffering within and out, I can listen, what her silence speaks out loud. Deranged, Demented, She drags her body around, Unaware, Listless, what she has lost can never be found. I call her, whenever she passes by me, I have been piling up sorrows as debris. Come! My child Let me hear your pain, Let me soothe your wounds, Let me jostle your soul, So you shed a tear. I know your pain, I have done all this myself, And I have been there. This poem narrates the sufferings of women who lost their families in Kashmir Valley. *Disclaimer - Title is inspired by Sonnet 30 of Shakespeare.

Being Human

Under the roof of winter, Latches of my door open without making a sound. It's cold out there, Someone lost his ground. My soul shivers, Not that I'm cold. Someone from my land, Sleeps under the bridge while dreaming of gold. How can I... tuck myself in the quilt? When the winter storm is blowing, Hopes they have built. I have to get up, Do something... Before I start questioning who am I? And, they start saying...'Humanity dies.' Let's work out something, Take a resolution. Walk across all kinds of bridges, And, just be human... From centuries people are migrating for work or for better opportunities. But, not everyone has a smooth sailing...some live under miserable conditions. Most heart wrenching fact is nobody helps them, not even people from their own countries. I know, everybody is busy chasing the bigger purpose of life. But don't you think we should help people in need? Let's try to be better human being...

Bits and Pieces

I stretch my fingers, But mind says 'No'; Voice of my loved ones, Trails me as an echo. Persuading my heart, To sway away from phone; Keep it down, You live in a different time zone. Different time zone, I fumble in my thoughts. Morning, noon and night; I am out of sorts. It's perfect here, Too perfect for me, Like dead flowers adorned as a potpourri. Drowning in the timeline, Submerging in seven vast oceans. No distance in the world, Can cause this massive erosion. A part of me, my soul, Never left my house courtyard. If ever you want to collect me, my pieces, You know where to start.

Words

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