{"id":213,"date":"2024-12-06T09:19:53","date_gmt":"2024-12-06T09:19:53","guid":{"rendered":"https:\/\/oolka.in\/blog\/?page_id=213"},"modified":"2024-12-06T09:33:16","modified_gmt":"2024-12-06T09:33:16","slug":"oolka-blog","status":"publish","type":"page","link":"https:\/\/oolka.in\/blog\/oolka-blog\/","title":{"rendered":"Oolka Blog"},"content":{"rendered":"<section class=\"wpb-content-wrapper\"><p>[vc_row full_width=&#8221;stretch_row&#8221;][vc_column]\n<section class=\"cf block news-block\" data-id=\"p-1\">\n\t\n\t\t\n\t<div class=\"block-content ts-row\">\n\t\t<div class=\"col-6 large cf\">\n\t\t\t\n\t\t\t\t\n\t\t\t<article class=\"grid-post post-1554 post type-post status-publish format-standard has-post-thumbnail category-credit-score tag-credit-score\">\n\t\t\t\t\t\n\t\t\t\t<div class=\"post-header\">\n\t\t\t\t\t<div class=\"post-thumb\">\n\t\t\t\t\t\t<a href=\"https:\/\/oolka.in\/blog\/minimum-credit-score-for-home-loan\/\" class=\"image-link\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"370\" height=\"245\" src=\"https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/09\/minimum-credit-score-for-home-loan-370x245.png\" class=\"attachment-contentberg-grid size-contentberg-grid wp-post-image\" alt=\"minimum credit score for home loan\" title=\"Minimum Credit Score for a Home Loan: SBI, HDFC Bank, ICICI Bank and Other Lenders\" srcset=\"https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/09\/minimum-credit-score-for-home-loan-370x245.png 370w, https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/09\/minimum-credit-score-for-home-loan-270x180.png 270w\" sizes=\"(max-width: 370px) 100vw, 370px\" \/>\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t<div class=\"meta-title\">\n\t\t\t\t\t\t\t<div class=\"post-meta post-meta-b\">\n\t\t\n\t\t\t\t\n\t\t\t<span class=\"post-cat\">\t\n\t\t\t\t<span class=\"text-in\">In<\/span> \n\t\t\t\t\t\t\t\t\t\n\t\t<a href=\"https:\/\/oolka.in\/blog\/category\/credit-score\/\" class=\"category\">Credit Score<\/a>\n\n\t\t\t\t\t<\/span>\n\t\t\t\n\t\t\t\n\t\t\n\t\t\t\t\t\n\t\t\t\n\t\t\t<h2 class=\"post-title-alt\">\n\t\t\t\t\t\t\t\n\t\t\t\t\t<a href=\"https:\/\/oolka.in\/blog\/minimum-credit-score-for-home-loan\/\">Minimum Credit Score for a Home Loan: SBI, HDFC Bank, ICICI Bank and Other Lenders<\/a>\n\t\t\t\t\t\n\t\t\t\t\t\t\t<\/h2>\n\t\t\t\n\t\t\t\t\n\t\t<div class=\"below\">\n\t\t\n\t\t\t\t\t\t\t<a href=\"https:\/\/oolka.in\/blog\/minimum-credit-score-for-home-loan\/\" class=\"meta-item date-link\"><time class=\"post-date\" datetime=\"2026-09-28T07:19:10+00:00\">September 28, 2026<\/time><\/a>\n\n\t\t\t\t<span class=\"meta-sep\"><\/span>\n\t\t\t\t\t\t\n\t\t\t\n\t\t\t\t\t\t\t<span class=\"meta-item read-time\">8 Mins Read<\/span>\n\t\t\t\t\t\n\t\t<\/div>\n\t\t\n\t<\/div>\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<div class=\"post-content post-excerpt cf\">\n\t\t\t\t<p>A score of 750 or above is a strong target for a home loan in India, but no single score&hellip;<\/p>\n\t\t\t\t<\/div><!-- .post-content -->\n\t\n\t\t\t<\/article>\n\n\t\t\n\t\t\t\t\t\t\n\t\t<\/div>\n\n\n\t\t<div class=\"col-6 posts-list\">\n\t\t\n\t\t\t<div class=\"ts-row\">\n\t\t\t\n\t\t\t\t\n\t\t\t\t<article class=\"col-6 small-post cf\">\n\t\t\t\t\t<a href=\"https:\/\/oolka.in\/blog\/overdraft-impact-on-credit-score\/\" class=\"image-link\"><img loading=\"lazy\" decoding=\"async\" width=\"87\" height=\"67\" src=\"https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/09\/does-overdraft-affect-credit-score-87x67.png\" class=\"attachment-contentberg-thumb size-contentberg-thumb wp-post-image\" alt=\"does overdraft affect credit score\" title=\"Can Using an Overdraft Affect Your Credit Score? How Bank Overdrafts Work in India\" srcset=\"https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/09\/does-overdraft-affect-credit-score-87x67.png 87w, https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/09\/does-overdraft-affect-credit-score-260x200.png 260w\" sizes=\"(max-width: 87px) 100vw, 87px\" \/>\t\t\t\t\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\n\t\t\t\t\t<div class=\"content\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<h3 class=\"post-title\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/oolka.in\/blog\/overdraft-impact-on-credit-score\/\">Can Using an Overdraft Affect Your Credit Score? How Bank Overdrafts Work in India<\/a>\n\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t<div class=\"post-meta post-meta-a\">\n\t\t\n\t\t\t\t\t\n\t\t\t\t\t<a href=\"https:\/\/oolka.in\/blog\/overdraft-impact-on-credit-score\/\" class=\"date-link\"><time class=\"post-date\" datetime=\"2026-09-24T07:42:07+00:00\">September 24, 2026<\/time><\/a>\n\t\t\t\t\n\t\t\n\t<\/div>\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\n\t\t\t\t\n\t\t\t\t<article class=\"col-6 small-post cf\">\n\t\t\t\t\t<a href=\"https:\/\/oolka.in\/blog\/borrower-default-impact-on-guarantor-credit-score\/\" class=\"image-link\"><img loading=\"lazy\" decoding=\"async\" width=\"87\" height=\"67\" src=\"https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/09\/guarantor-credit-score-87x67.png\" class=\"attachment-contentberg-thumb size-contentberg-thumb wp-post-image\" alt=\"guarantor credit score\" title=\"Borrower Defaulted on a Guaranteed Loan? What Happens to the Guarantor&#8217;s Credit Score\" srcset=\"https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/09\/guarantor-credit-score-87x67.png 87w, https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/09\/guarantor-credit-score-260x200.png 260w\" sizes=\"(max-width: 87px) 100vw, 87px\" \/>\t\t\t\t\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\n\t\t\t\t\t<div class=\"content\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<h3 class=\"post-title\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/oolka.in\/blog\/borrower-default-impact-on-guarantor-credit-score\/\">Borrower Defaulted on a Guaranteed Loan? What Happens to the Guarantor&#8217;s Credit Score<\/a>\n\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t<div class=\"post-meta post-meta-a\">\n\t\t\n\t\t\t\t\t\n\t\t\t\t\t<a href=\"https:\/\/oolka.in\/blog\/borrower-default-impact-on-guarantor-credit-score\/\" class=\"date-link\"><time class=\"post-date\" datetime=\"2026-09-22T06:32:29+00:00\">September 22, 2026<\/time><\/a>\n\t\t\t\t\n\t\t\n\t<\/div>\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\n\t\t\t\t\n\t\t\t\t<article class=\"col-6 small-post cf\">\n\t\t\t\t\t<a href=\"https:\/\/oolka.in\/blog\/credit-line-on-upi\/\" class=\"image-link\"><img loading=\"lazy\" decoding=\"async\" width=\"87\" height=\"67\" src=\"https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/09\/Credit-Line-on-UPI-87x67.png\" class=\"attachment-contentberg-thumb size-contentberg-thumb wp-post-image\" alt=\"Credit Line on UPI\" title=\"Credit Line on UPI: How It Affects Your Credit Score\" srcset=\"https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/09\/Credit-Line-on-UPI-87x67.png 87w, https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/09\/Credit-Line-on-UPI-260x200.png 260w\" sizes=\"(max-width: 87px) 100vw, 87px\" \/>\t\t\t\t\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\n\t\t\t\t\t<div class=\"content\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<h3 class=\"post-title\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/oolka.in\/blog\/credit-line-on-upi\/\">Credit Line on UPI: How It Affects Your Credit Score<\/a>\n\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t<div class=\"post-meta post-meta-a\">\n\t\t\n\t\t\t\t\t\n\t\t\t\t\t<a href=\"https:\/\/oolka.in\/blog\/credit-line-on-upi\/\" class=\"date-link\"><time class=\"post-date\" datetime=\"2026-09-21T12:46:14+00:00\">September 21, 2026<\/time><\/a>\n\t\t\t\t\n\t\t\n\t<\/div>\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\n\t\t\t\t\n\t\t\t\t<article class=\"col-6 small-post cf\">\n\t\t\t\t\t<a href=\"https:\/\/oolka.in\/blog\/does-cheque-bounce-affect-credit-score\/\" class=\"image-link\"><img loading=\"lazy\" decoding=\"async\" width=\"87\" height=\"67\" src=\"https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/09\/Cheque-Bounce-Affect-Credit-Score-1-87x67.png\" class=\"attachment-contentberg-thumb size-contentberg-thumb wp-post-image\" alt=\"Cheque Bounce Affect Credit Score\" title=\"Does a Cheque Bounce Affect Your Credit Score in India?\" srcset=\"https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/09\/Cheque-Bounce-Affect-Credit-Score-1-87x67.png 87w, https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/09\/Cheque-Bounce-Affect-Credit-Score-1-260x200.png 260w\" sizes=\"(max-width: 87px) 100vw, 87px\" \/>\t\t\t\t\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\n\t\t\t\t\t<div class=\"content\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<h3 class=\"post-title\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/oolka.in\/blog\/does-cheque-bounce-affect-credit-score\/\">Does a Cheque Bounce Affect Your Credit Score in India?<\/a>\n\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t<div class=\"post-meta post-meta-a\">\n\t\t\n\t\t\t\t\t\n\t\t\t\t\t<a href=\"https:\/\/oolka.in\/blog\/does-cheque-bounce-affect-credit-score\/\" class=\"date-link\"><time class=\"post-date\" datetime=\"2026-09-17T20:20:00+00:00\">September 17, 2026<\/time><\/a>\n\t\t\t\t\n\t\t\n\t<\/div>\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\n\t\t\t\n\t\t\t<\/div>\n\t\t<\/div>\n\t\n\t<\/div> <!-- .block-content -->\n\t\n<\/section>\n\t\n[\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221;][vc_column]\n\t<section class=\"cf block loop-grid-3\" data-id=\"p-2\">\n\t\n\t\t\t\t\n\t\t<div class=\"block-content\">\n\t\t\n\t<div class=\"posts-dynamic posts-container ts-row grid count-0 grid-cols-3\">\n\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t<div class=\"posts-wrap\">\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t<div class=\"col-4\">\t\n\t\t\t\t\t\t\n<article id=\"post-1532\" class=\"grid-post post-1532 post type-post status-publish format-standard has-post-thumbnail category-credit-score tag-credit-report-errors tag-factors-that-lower-credit-score tag-how-to-improve-credit-score tag-sudden-credit-score-drop tag-why-credit-score-dropped has-excerpt\">\n\t\n\t<div class=\"post-header cf\">\n\t\t\t\n\t\t<div class=\"post-thumb\">\n\t\t\t<a href=\"https:\/\/oolka.in\/blog\/why-did-my-credit-score-drop\/\" class=\"image-link\">\n\t\t\t\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"370\" height=\"245\" src=\"https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/09\/Credit-Score-Drop-370x245.png\" class=\"attachment-contentberg-grid size-contentberg-grid wp-post-image\" alt=\"why is my credit score going down\" title=\"Why Did My Credit Score Drop Without any Reason?\" srcset=\"https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/09\/Credit-Score-Drop-370x245.png 370w, https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/09\/Credit-Score-Drop-270x180.png 270w\" sizes=\"(max-width: 370px) 100vw, 370px\" \/>\t\t\t\t\t\n\t\t\t\t\n\t\t\t<\/a>\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\n\t\t<div class=\"meta-title\">\n\t\t\n\t\t\t\t<div class=\"post-meta post-meta-b\">\n\t\t\n\t\t\t\t\n\t\t\t<span class=\"post-cat\">\t\n\t\t\t\t<span class=\"text-in\">In<\/span> \n\t\t\t\t\t\t\t\t\t\n\t\t<a href=\"https:\/\/oolka.in\/blog\/category\/credit-score\/\" class=\"category\">Credit Score<\/a>\n\n\t\t\t\t\t<\/span>\n\t\t\t\n\t\t\t\n\t\t\n\t\t\t\t\t\n\t\t\t\n\t\t\t<h2 class=\"post-title-alt\">\n\t\t\t\t\t\t\t\n\t\t\t\t\t<a href=\"https:\/\/oolka.in\/blog\/why-did-my-credit-score-drop\/\">Why Did My Credit Score Drop Without any Reason?<\/a>\n\t\t\t\t\t\n\t\t\t\t\t\t\t<\/h2>\n\t\t\t\n\t\t\t\t\n\t\t<div class=\"below\">\n\t\t\n\t\t\t\t\t\t\t<a href=\"https:\/\/oolka.in\/blog\/why-did-my-credit-score-drop\/\" class=\"meta-item date-link\"><time class=\"post-date\" datetime=\"2026-09-03T05:51:27+00:00\">September 3, 2026<\/time><\/a>\n\n\t\t\t\t<span class=\"meta-sep\"><\/span>\n\t\t\t\t\t\t\n\t\t\t\n\t\t\t\t\t\t\t<span class=\"meta-item read-time\">9 Mins Read<\/span>\n\t\t\t\t\t\n\t\t<\/div>\n\t\t\n\t<\/div>\t\t\n\t\t<\/div>\n\t\t\n\t<\/div><!-- .post-header -->\n\n\t\t<div class=\"post-content post-excerpt cf\">\n\t\t<p>Your credit score does not drop without a reason. A reported delay, high credit utilisation, a new loan enquiry, corrected lender data, or an error&hellip;<\/p>\n\t\t\t\n\t<\/div><!-- .post-content -->\n\t\t\n\t\t\n\t\t\n<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t<div class=\"col-4\">\t\n\t\t\t\t\t\t\n<article id=\"post-1529\" class=\"grid-post post-1529 post type-post status-publish format-standard has-post-thumbnail category-loan tag-debt-consolidation tag-debt-management tag-debt-relief tag-debt-settlement tag-loan-repayment has-excerpt\">\n\t\n\t<div class=\"post-header cf\">\n\t\t\t\n\t\t<div class=\"post-thumb\">\n\t\t\t<a href=\"https:\/\/oolka.in\/blog\/debt-settlement-vs-debt-consolidation\/\" class=\"image-link\">\n\t\t\t\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"370\" height=\"245\" src=\"https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/09\/Debt-Consolidation-vs.-Debt-Settlement-370x245.png\" class=\"attachment-contentberg-grid size-contentberg-grid wp-post-image\" alt=\"Debt Consolidation\" title=\"Debt Consolidation vs. Debt Settlement: Which Is Better?\" srcset=\"https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/09\/Debt-Consolidation-vs.-Debt-Settlement-370x245.png 370w, https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/09\/Debt-Consolidation-vs.-Debt-Settlement-270x180.png 270w\" sizes=\"(max-width: 370px) 100vw, 370px\" \/>\t\t\t\t\t\n\t\t\t\t\n\t\t\t<\/a>\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\n\t\t<div class=\"meta-title\">\n\t\t\n\t\t\t\t<div class=\"post-meta post-meta-b\">\n\t\t\n\t\t\t\t\n\t\t\t<span class=\"post-cat\">\t\n\t\t\t\t<span class=\"text-in\">In<\/span> \n\t\t\t\t\t\t\t\t\t\n\t\t<a href=\"https:\/\/oolka.in\/blog\/category\/loan\/\" class=\"category\">Loan<\/a>\n\n\t\t\t\t\t<\/span>\n\t\t\t\n\t\t\t\n\t\t\n\t\t\t\t\t\n\t\t\t\n\t\t\t<h2 class=\"post-title-alt\">\n\t\t\t\t\t\t\t\n\t\t\t\t\t<a href=\"https:\/\/oolka.in\/blog\/debt-settlement-vs-debt-consolidation\/\">Debt Consolidation vs. Debt Settlement: Which Is Better?<\/a>\n\t\t\t\t\t\n\t\t\t\t\t\t\t<\/h2>\n\t\t\t\n\t\t\t\t\n\t\t<div class=\"below\">\n\t\t\n\t\t\t\t\t\t\t<a href=\"https:\/\/oolka.in\/blog\/debt-settlement-vs-debt-consolidation\/\" class=\"meta-item date-link\"><time class=\"post-date\" datetime=\"2026-09-02T10:31:00+00:00\">September 2, 2026<\/time><\/a>\n\n\t\t\t\t<span class=\"meta-sep\"><\/span>\n\t\t\t\t\t\t\n\t\t\t\n\t\t\t\t\t\t\t<span class=\"meta-item read-time\">9 Mins Read<\/span>\n\t\t\t\t\t\n\t\t<\/div>\n\t\t\n\t<\/div>\t\t\n\t\t<\/div>\n\t\t\n\t<\/div><!-- .post-header -->\n\n\t\t<div class=\"post-content post-excerpt cf\">\n\t\t<p>Debt consolidation combines multiple loans into one repayment, while debt settlement closes a debt by accepting less than the outstanding amount. If you can repay&hellip;<\/p>\n\t\t\t\n\t<\/div><!-- .post-content -->\n\t\t\n\t\t\n\t\t\n<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t<div class=\"col-4\">\t\n\t\t\t\t\t\t\n<article id=\"post-1527\" class=\"grid-post post-1527 post type-post status-publish format-standard has-post-thumbnail category-loan tag-cibil-score tag-loan-closure tag-loan-closure-process tag-loan-settlement tag-loan-settlement-vs-loan-closure has-excerpt\">\n\t\n\t<div class=\"post-header cf\">\n\t\t\t\n\t\t<div class=\"post-thumb\">\n\t\t\t<a href=\"https:\/\/oolka.in\/blog\/loan-settlement-vs-loan-closure\/\" class=\"image-link\">\n\t\t\t\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"370\" height=\"245\" src=\"https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/09\/Loan-Settlement-vs-Loan-Closure-370x245.png\" class=\"attachment-contentberg-grid size-contentberg-grid wp-post-image\" alt=\"Loan Settlement\" title=\"Loan Settlement vs Loan Closure: Key Differences Explained\" srcset=\"https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/09\/Loan-Settlement-vs-Loan-Closure-370x245.png 370w, https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/09\/Loan-Settlement-vs-Loan-Closure-270x180.png 270w\" sizes=\"(max-width: 370px) 100vw, 370px\" \/>\t\t\t\t\t\n\t\t\t\t\n\t\t\t<\/a>\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\n\t\t<div class=\"meta-title\">\n\t\t\n\t\t\t\t<div class=\"post-meta post-meta-b\">\n\t\t\n\t\t\t\t\n\t\t\t<span class=\"post-cat\">\t\n\t\t\t\t<span class=\"text-in\">In<\/span> \n\t\t\t\t\t\t\t\t\t\n\t\t<a href=\"https:\/\/oolka.in\/blog\/category\/loan\/\" class=\"category\">Loan<\/a>\n\n\t\t\t\t\t<\/span>\n\t\t\t\n\t\t\t\n\t\t\n\t\t\t\t\t\n\t\t\t\n\t\t\t<h2 class=\"post-title-alt\">\n\t\t\t\t\t\t\t\n\t\t\t\t\t<a href=\"https:\/\/oolka.in\/blog\/loan-settlement-vs-loan-closure\/\">Loan Settlement vs Loan Closure: Key Differences Explained<\/a>\n\t\t\t\t\t\n\t\t\t\t\t\t\t<\/h2>\n\t\t\t\n\t\t\t\t\n\t\t<div class=\"below\">\n\t\t\n\t\t\t\t\t\t\t<a href=\"https:\/\/oolka.in\/blog\/loan-settlement-vs-loan-closure\/\" class=\"meta-item date-link\"><time class=\"post-date\" datetime=\"2026-09-02T07:58:02+00:00\">September 2, 2026<\/time><\/a>\n\n\t\t\t\t<span class=\"meta-sep\"><\/span>\n\t\t\t\t\t\t\n\t\t\t\n\t\t\t\t\t\t\t<span class=\"meta-item read-time\">9 Mins Read<\/span>\n\t\t\t\t\t\n\t\t<\/div>\n\t\t\n\t<\/div>\t\t\n\t\t<\/div>\n\t\t\n\t<\/div><!-- .post-header -->\n\n\t\t<div class=\"post-content post-excerpt cf\">\n\t\t<p>A loan closure means you have repaid the entire loan, including principal, interest, and applicable charges. A settlement means the lender has accepted less than&hellip;<\/p>\n\t\t\t\n\t<\/div><!-- .post-content -->\n\t\t\n\t\t\n\t\t\n<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t<div class=\"col-4\">\t\n\t\t\t\t\t\t\n<article id=\"post-1535\" class=\"grid-post post-1535 post type-post status-publish format-standard has-post-thumbnail category-credit-cards tag-credit-cards tag-credit-utilization tag-how-revolving-credit-works tag-revolving-credit tag-revolving-credit-explained has-excerpt\">\n\t\n\t<div class=\"post-header cf\">\n\t\t\t\n\t\t<div class=\"post-thumb\">\n\t\t\t<a href=\"https:\/\/oolka.in\/blog\/what-is-revolving-credit\/\" class=\"image-link\">\n\t\t\t\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"370\" height=\"245\" src=\"https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/09\/What-is-Revolving-Credit--370x245.png\" class=\"attachment-contentberg-grid size-contentberg-grid wp-post-image\" alt=\"What is Revolving Credit\" title=\"What is Revolving Credit and How Does it Work?\" srcset=\"https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/09\/What-is-Revolving-Credit--370x245.png 370w, https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/09\/What-is-Revolving-Credit--270x180.png 270w\" sizes=\"(max-width: 370px) 100vw, 370px\" \/>\t\t\t\t\t\n\t\t\t\t\n\t\t\t<\/a>\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\n\t\t<div class=\"meta-title\">\n\t\t\n\t\t\t\t<div class=\"post-meta post-meta-b\">\n\t\t\n\t\t\t\t\n\t\t\t<span class=\"post-cat\">\t\n\t\t\t\t<span class=\"text-in\">In<\/span> \n\t\t\t\t\t\t\t\t\t\n\t\t<a href=\"https:\/\/oolka.in\/blog\/category\/credit-cards\/\" class=\"category\">Credit Cards<\/a>\n\n\t\t\t\t\t<\/span>\n\t\t\t\n\t\t\t\n\t\t\n\t\t\t\t\t\n\t\t\t\n\t\t\t<h2 class=\"post-title-alt\">\n\t\t\t\t\t\t\t\n\t\t\t\t\t<a href=\"https:\/\/oolka.in\/blog\/what-is-revolving-credit\/\">What is Revolving Credit and How Does it Work?<\/a>\n\t\t\t\t\t\n\t\t\t\t\t\t\t<\/h2>\n\t\t\t\n\t\t\t\t\n\t\t<div class=\"below\">\n\t\t\n\t\t\t\t\t\t\t<a href=\"https:\/\/oolka.in\/blog\/what-is-revolving-credit\/\" class=\"meta-item date-link\"><time class=\"post-date\" datetime=\"2026-08-27T17:58:00+00:00\">August 27, 2026<\/time><\/a>\n\n\t\t\t\t<span class=\"meta-sep\"><\/span>\n\t\t\t\t\t\t\n\t\t\t\n\t\t\t\t\t\t\t<span class=\"meta-item read-time\">10 Mins Read<\/span>\n\t\t\t\t\t\n\t\t<\/div>\n\t\t\n\t<\/div>\t\t\n\t\t<\/div>\n\t\t\n\t<\/div><!-- .post-header -->\n\n\t\t<div class=\"post-content post-excerpt cf\">\n\t\t<p>Revolving credit is a reusable credit facility that lets you borrow within an approved limit, repay the amount used, and borrow again without submitting a&hellip;<\/p>\n\t\t\t\n\t<\/div><!-- .post-content -->\n\t\t\n\t\t\n\t\t\n<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t<div class=\"col-4\">\t\n\t\t\t\t\t\t\n<article id=\"post-1512\" class=\"grid-post post-1512 post type-post status-publish format-standard has-post-thumbnail category-credit-score tag-1-lakh-personal-loan has-excerpt\">\n\t\n\t<div class=\"post-header cf\">\n\t\t\t\n\t\t<div class=\"post-thumb\">\n\t\t\t<a href=\"https:\/\/oolka.in\/blog\/1-lakh-personal-loan\/\" class=\"image-link\">\n\t\t\t\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"370\" height=\"245\" src=\"https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/08\/1-lakh-personal-loan-370x245.png\" class=\"attachment-contentberg-grid size-contentberg-grid wp-post-image\" alt=\"1 lakh personal loan\" title=\"How to Get Personal Loan of Rs 1 Lakh instantly\" srcset=\"https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/08\/1-lakh-personal-loan-370x245.png 370w, https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/08\/1-lakh-personal-loan-270x180.png 270w\" sizes=\"(max-width: 370px) 100vw, 370px\" \/>\t\t\t\t\t\n\t\t\t\t\n\t\t\t<\/a>\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\n\t\t<div class=\"meta-title\">\n\t\t\n\t\t\t\t<div class=\"post-meta post-meta-b\">\n\t\t\n\t\t\t\t\n\t\t\t<span class=\"post-cat\">\t\n\t\t\t\t<span class=\"text-in\">In<\/span> \n\t\t\t\t\t\t\t\t\t\n\t\t<a href=\"https:\/\/oolka.in\/blog\/category\/credit-score\/\" class=\"category\">Credit Score<\/a>\n\n\t\t\t\t\t<\/span>\n\t\t\t\n\t\t\t\n\t\t\n\t\t\t\t\t\n\t\t\t\n\t\t\t<h2 class=\"post-title-alt\">\n\t\t\t\t\t\t\t\n\t\t\t\t\t<a href=\"https:\/\/oolka.in\/blog\/1-lakh-personal-loan\/\">How to Get Personal Loan of Rs 1 Lakh instantly<\/a>\n\t\t\t\t\t\n\t\t\t\t\t\t\t<\/h2>\n\t\t\t\n\t\t\t\t\n\t\t<div class=\"below\">\n\t\t\n\t\t\t\t\t\t\t<a href=\"https:\/\/oolka.in\/blog\/1-lakh-personal-loan\/\" class=\"meta-item date-link\"><time class=\"post-date\" datetime=\"2026-08-27T10:26:31+00:00\">August 27, 2026<\/time><\/a>\n\n\t\t\t\t<span class=\"meta-sep\"><\/span>\n\t\t\t\t\t\t\n\t\t\t\n\t\t\t\t\t\t\t<span class=\"meta-item read-time\">9 Mins Read<\/span>\n\t\t\t\t\t\n\t\t<\/div>\n\t\t\n\t<\/div>\t\t\n\t\t<\/div>\n\t\t\n\t<\/div><!-- .post-header -->\n\n\t\t<div class=\"post-content post-excerpt cf\">\n\t\t<p>Getting a Rs. 1 lakh personal loan instantly depends on three things: meeting the lender&#8217;s eligibility criteria, having the required documents ready, and ensuring there&hellip;<\/p>\n\t\t\t\n\t<\/div><!-- .post-content -->\n\t\t\n\t\t\n\t\t\n<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t<div class=\"col-4\">\t\n\t\t\t\t\t\t\n<article id=\"post-1509\" class=\"grid-post post-1509 post type-post status-publish format-standard has-post-thumbnail category-loan tag-20000-personal-loan has-excerpt\">\n\t\n\t<div class=\"post-header cf\">\n\t\t\t\n\t\t<div class=\"post-thumb\">\n\t\t\t<a href=\"https:\/\/oolka.in\/blog\/20000-instant-personal-loan\/\" class=\"image-link\">\n\t\t\t\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"370\" height=\"245\" src=\"https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/08\/20000-Instant-Personal-Loans-370x245.png\" class=\"attachment-contentberg-grid size-contentberg-grid wp-post-image\" alt=\"20,000 Instant Personal Loans\" title=\"Apply Rs. 20,000 Instant Personal Loans Online\" srcset=\"https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/08\/20000-Instant-Personal-Loans-370x245.png 370w, https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/08\/20000-Instant-Personal-Loans-270x180.png 270w\" sizes=\"(max-width: 370px) 100vw, 370px\" \/>\t\t\t\t\t\n\t\t\t\t\n\t\t\t<\/a>\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\n\t\t<div class=\"meta-title\">\n\t\t\n\t\t\t\t<div class=\"post-meta post-meta-b\">\n\t\t\n\t\t\t\t\n\t\t\t<span class=\"post-cat\">\t\n\t\t\t\t<span class=\"text-in\">In<\/span> \n\t\t\t\t\t\t\t\t\t\n\t\t<a href=\"https:\/\/oolka.in\/blog\/category\/loan\/\" class=\"category\">Loan<\/a>\n\n\t\t\t\t\t<\/span>\n\t\t\t\n\t\t\t\n\t\t\n\t\t\t\t\t\n\t\t\t\n\t\t\t<h2 class=\"post-title-alt\">\n\t\t\t\t\t\t\t\n\t\t\t\t\t<a href=\"https:\/\/oolka.in\/blog\/20000-instant-personal-loan\/\">Apply Rs. 20,000 Instant Personal Loans Online<\/a>\n\t\t\t\t\t\n\t\t\t\t\t\t\t<\/h2>\n\t\t\t\n\t\t\t\t\n\t\t<div class=\"below\">\n\t\t\n\t\t\t\t\t\t\t<a href=\"https:\/\/oolka.in\/blog\/20000-instant-personal-loan\/\" class=\"meta-item date-link\"><time class=\"post-date\" datetime=\"2026-08-24T13:21:09+00:00\">August 24, 2026<\/time><\/a>\n\n\t\t\t\t<span class=\"meta-sep\"><\/span>\n\t\t\t\t\t\t\n\t\t\t\n\t\t\t\t\t\t\t<span class=\"meta-item read-time\">10 Mins Read<\/span>\n\t\t\t\t\t\n\t\t<\/div>\n\t\t\n\t<\/div>\t\t\n\t\t<\/div>\n\t\t\n\t<\/div><!-- .post-header -->\n\n\t\t<div class=\"post-content post-excerpt cf\">\n\t\t<p>A Rs. 20,000 personal loan is suitable for short-term expenses such as medical bills, urgent travel, home repairs, or education costs. Approval depends on your&hellip;<\/p>\n\t\t\t\n\t<\/div><!-- .post-content -->\n\t\t\n\t\t\n\t\t\n<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t<div class=\"col-4\">\t\n\t\t\t\t\t\t\n<article id=\"post-1506\" class=\"grid-post post-1506 post type-post status-publish format-standard has-post-thumbnail category-credit-score category-uncategorized has-excerpt\">\n\t\n\t<div class=\"post-header cf\">\n\t\t\t\n\t\t<div class=\"post-thumb\">\n\t\t\t<a href=\"https:\/\/oolka.in\/blog\/remove-late-payments-from-your-credit-report\/\" class=\"image-link\">\n\t\t\t\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"370\" height=\"245\" src=\"https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/08\/remove-late-payments-from-credit-report-370x245.jpg\" class=\"attachment-contentberg-grid size-contentberg-grid wp-post-image\" alt=\"remove late payments from credit report\" title=\"How to Remove Late Payment Records from Your Credit Report\" srcset=\"https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/08\/remove-late-payments-from-credit-report-370x245.jpg 370w, https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/08\/remove-late-payments-from-credit-report-270x180.jpg 270w\" sizes=\"(max-width: 370px) 100vw, 370px\" \/>\t\t\t\t\t\n\t\t\t\t\n\t\t\t<\/a>\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\n\t\t<div class=\"meta-title\">\n\t\t\n\t\t\t\t<div class=\"post-meta post-meta-b\">\n\t\t\n\t\t\t\t\n\t\t\t<span class=\"post-cat\">\t\n\t\t\t\t<span class=\"text-in\">In<\/span> \n\t\t\t\t\t\t\t\t\t\n\t\t<a href=\"https:\/\/oolka.in\/blog\/category\/credit-score\/\" class=\"category\">Credit Score<\/a>\n\n\t\t\t\t\t<\/span>\n\t\t\t\n\t\t\t\n\t\t\n\t\t\t\t\t\n\t\t\t\n\t\t\t<h2 class=\"post-title-alt\">\n\t\t\t\t\t\t\t\n\t\t\t\t\t<a href=\"https:\/\/oolka.in\/blog\/remove-late-payments-from-your-credit-report\/\">How to Remove Late Payment Records from Your Credit Report<\/a>\n\t\t\t\t\t\n\t\t\t\t\t\t\t<\/h2>\n\t\t\t\n\t\t\t\t\n\t\t<div class=\"below\">\n\t\t\n\t\t\t\t\t\t\t<a href=\"https:\/\/oolka.in\/blog\/remove-late-payments-from-your-credit-report\/\" class=\"meta-item date-link\"><time class=\"post-date\" datetime=\"2026-08-21T17:06:22+00:00\">August 21, 2026<\/time><\/a>\n\n\t\t\t\t<span class=\"meta-sep\"><\/span>\n\t\t\t\t\t\t\n\t\t\t\n\t\t\t\t\t\t\t<span class=\"meta-item read-time\">10 Mins Read<\/span>\n\t\t\t\t\t\n\t\t<\/div>\n\t\t\n\t<\/div>\t\t\n\t\t<\/div>\n\t\t\n\t<\/div><!-- .post-header -->\n\n\t\t<div class=\"post-content post-excerpt cf\">\n\t\t<p>An accurate late payment record cannot be removed from your credit report. An incorrect late payment record can be corrected by raising a dispute with&hellip;<\/p>\n\t\t\t\n\t<\/div><!-- .post-content -->\n\t\t\n\t\t\n\t\t\n<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t<div class=\"col-4\">\t\n\t\t\t\t\t\t\n<article id=\"post-1499\" class=\"grid-post post-1499 post type-post status-publish format-standard has-post-thumbnail category-oolka tag-debt-consolidation has-excerpt\">\n\t\n\t<div class=\"post-header cf\">\n\t\t\t\n\t\t<div class=\"post-thumb\">\n\t\t\t<a href=\"https:\/\/oolka.in\/blog\/debt-consolidation-guide\/\" class=\"image-link\">\n\t\t\t\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"370\" height=\"245\" src=\"https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/07\/How-to-Consolidate-Debt-370x245.png\" class=\"attachment-contentberg-grid size-contentberg-grid wp-post-image\" alt=\"How to Consolidate Debt\" title=\"How to Consolidate Debt: Benefits, Risks and Smart Repayment Strategies\" srcset=\"https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/07\/How-to-Consolidate-Debt-370x245.png 370w, https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/07\/How-to-Consolidate-Debt-270x180.png 270w\" sizes=\"(max-width: 370px) 100vw, 370px\" \/>\t\t\t\t\t\n\t\t\t\t\n\t\t\t<\/a>\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\n\t\t<div class=\"meta-title\">\n\t\t\n\t\t\t\t<div class=\"post-meta post-meta-b\">\n\t\t\n\t\t\t\t\n\t\t\t<span class=\"post-cat\">\t\n\t\t\t\t<span class=\"text-in\">In<\/span> \n\t\t\t\t\t\t\t\t\t\n\t\t<a href=\"https:\/\/oolka.in\/blog\/category\/oolka\/\" class=\"category\">Oolka<\/a>\n\n\t\t\t\t\t<\/span>\n\t\t\t\n\t\t\t\n\t\t\n\t\t\t\t\t\n\t\t\t\n\t\t\t<h2 class=\"post-title-alt\">\n\t\t\t\t\t\t\t\n\t\t\t\t\t<a href=\"https:\/\/oolka.in\/blog\/debt-consolidation-guide\/\">How to Consolidate Debt: Benefits, Risks and Smart Repayment Strategies<\/a>\n\t\t\t\t\t\n\t\t\t\t\t\t\t<\/h2>\n\t\t\t\n\t\t\t\t\n\t\t<div class=\"below\">\n\t\t\n\t\t\t\t\t\t\t<a href=\"https:\/\/oolka.in\/blog\/debt-consolidation-guide\/\" class=\"meta-item date-link\"><time class=\"post-date\" datetime=\"2026-07-21T10:36:50+00:00\">July 21, 2026<\/time><\/a>\n\n\t\t\t\t<span class=\"meta-sep\"><\/span>\n\t\t\t\t\t\t\n\t\t\t\n\t\t\t\t\t\t\t<span class=\"meta-item read-time\">10 Mins Read<\/span>\n\t\t\t\t\t\n\t\t<\/div>\n\t\t\n\t<\/div>\t\t\n\t\t<\/div>\n\t\t\n\t<\/div><!-- .post-header -->\n\n\t\t<div class=\"post-content post-excerpt cf\">\n\t\t<p>Debt consolidation can simplify repayments, but taking another loan is not always the smartest solution. Negotiating with lenders, reducing penalties, or restructuring existing repayments can&hellip;<\/p>\n\t\t\t\n\t<\/div><!-- .post-content -->\n\t\t\n\t\t\n\t\t\n<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t<div class=\"col-4\">\t\n\t\t\t\t\t\t\n<article id=\"post-1496\" class=\"grid-post post-1496 post type-post status-publish format-standard has-post-thumbnail category-emi tag-get-out-of-debt tag-pay-off-debt has-excerpt\">\n\t\n\t<div class=\"post-header cf\">\n\t\t\t\n\t\t<div class=\"post-thumb\">\n\t\t\t<a href=\"https:\/\/oolka.in\/blog\/how-to-get-out-of-debt\/\" class=\"image-link\">\n\t\t\t\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"370\" height=\"245\" src=\"https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/07\/get-out-of-debt-faster-370x245.png\" class=\"attachment-contentberg-grid size-contentberg-grid wp-post-image\" alt=\"get out of debt faster\" title=\"How to Get Out of Debt Faster\" srcset=\"https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/07\/get-out-of-debt-faster-370x245.png 370w, https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/07\/get-out-of-debt-faster-270x180.png 270w\" sizes=\"(max-width: 370px) 100vw, 370px\" \/>\t\t\t\t\t\n\t\t\t\t\n\t\t\t<\/a>\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\n\t\t<div class=\"meta-title\">\n\t\t\n\t\t\t\t<div class=\"post-meta post-meta-b\">\n\t\t\n\t\t\t\t\n\t\t\t<span class=\"post-cat\">\t\n\t\t\t\t<span class=\"text-in\">In<\/span> \n\t\t\t\t\t\t\t\t\t\n\t\t<a href=\"https:\/\/oolka.in\/blog\/category\/emi\/\" class=\"category\">EMI<\/a>\n\n\t\t\t\t\t<\/span>\n\t\t\t\n\t\t\t\n\t\t\n\t\t\t\t\t\n\t\t\t\n\t\t\t<h2 class=\"post-title-alt\">\n\t\t\t\t\t\t\t\n\t\t\t\t\t<a href=\"https:\/\/oolka.in\/blog\/how-to-get-out-of-debt\/\">How to Get Out of Debt Faster<\/a>\n\t\t\t\t\t\n\t\t\t\t\t\t\t<\/h2>\n\t\t\t\n\t\t\t\t\n\t\t<div class=\"below\">\n\t\t\n\t\t\t\t\t\t\t<a href=\"https:\/\/oolka.in\/blog\/how-to-get-out-of-debt\/\" class=\"meta-item date-link\"><time class=\"post-date\" datetime=\"2026-07-21T10:12:56+00:00\">July 21, 2026<\/time><\/a>\n\n\t\t\t\t<span class=\"meta-sep\"><\/span>\n\t\t\t\t\t\t\n\t\t\t\n\t\t\t\t\t\t\t<span class=\"meta-item read-time\">9 Mins Read<\/span>\n\t\t\t\t\t\n\t\t<\/div>\n\t\t\n\t<\/div>\t\t\n\t\t<\/div>\n\t\t\n\t<\/div><!-- .post-header -->\n\n\t\t<div class=\"post-content post-excerpt cf\">\n\t\t<p>Getting out of debt faster is not about making random extra payments. It is about paying the right debt first, reducing interest costs, negotiating where&hellip;<\/p>\n\t\t\t\n\t<\/div><!-- .post-content -->\n\t\t\n\t\t\n\t\t\n<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t<div class=\"col-4\">\t\n\t\t\t\t\t\t\n<article id=\"post-1492\" class=\"grid-post post-1492 post type-post status-publish format-standard has-post-thumbnail category-loan tag-personal-loan has-excerpt\">\n\t\n\t<div class=\"post-header cf\">\n\t\t\t\n\t\t<div class=\"post-thumb\">\n\t\t\t<a href=\"https:\/\/oolka.in\/blog\/how-much-personal-loan-based-on-salary\/\" class=\"image-link\">\n\t\t\t\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"370\" height=\"245\" src=\"https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/07\/Personal-Loan-Based-on-Salary-370x245.png\" class=\"attachment-contentberg-grid size-contentberg-grid wp-post-image\" alt=\"Personal Loan Based on Salary\" title=\"How Much Personal Loan Can I Get Based on My Salary?\" srcset=\"https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/07\/Personal-Loan-Based-on-Salary-370x245.png 370w, https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/07\/Personal-Loan-Based-on-Salary-270x180.png 270w\" sizes=\"(max-width: 370px) 100vw, 370px\" \/>\t\t\t\t\t\n\t\t\t\t\n\t\t\t<\/a>\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\n\t\t<div class=\"meta-title\">\n\t\t\n\t\t\t\t<div class=\"post-meta post-meta-b\">\n\t\t\n\t\t\t\t\n\t\t\t<span class=\"post-cat\">\t\n\t\t\t\t<span class=\"text-in\">In<\/span> \n\t\t\t\t\t\t\t\t\t\n\t\t<a href=\"https:\/\/oolka.in\/blog\/category\/loan\/\" class=\"category\">Loan<\/a>\n\n\t\t\t\t\t<\/span>\n\t\t\t\n\t\t\t\n\t\t\n\t\t\t\t\t\n\t\t\t\n\t\t\t<h2 class=\"post-title-alt\">\n\t\t\t\t\t\t\t\n\t\t\t\t\t<a href=\"https:\/\/oolka.in\/blog\/how-much-personal-loan-based-on-salary\/\">How Much Personal Loan Can I Get Based on My Salary?<\/a>\n\t\t\t\t\t\n\t\t\t\t\t\t\t<\/h2>\n\t\t\t\n\t\t\t\t\n\t\t<div class=\"below\">\n\t\t\n\t\t\t\t\t\t\t<a href=\"https:\/\/oolka.in\/blog\/how-much-personal-loan-based-on-salary\/\" class=\"meta-item date-link\"><time class=\"post-date\" datetime=\"2026-07-20T07:17:17+00:00\">July 20, 2026<\/time><\/a>\n\n\t\t\t\t<span class=\"meta-sep\"><\/span>\n\t\t\t\t\t\t\n\t\t\t\n\t\t\t\t\t\t\t<span class=\"meta-item read-time\">9 Mins Read<\/span>\n\t\t\t\t\t\n\t\t<\/div>\n\t\t\n\t<\/div>\t\t\n\t\t<\/div>\n\t\t\n\t<\/div><!-- .post-header -->\n\n\t\t<div class=\"post-content post-excerpt cf\">\n\t\t<p>Your salary is one of the biggest factors lenders use to decide how much personal loan you can get. However, approval is also based on&hellip;<\/p>\n\t\t\t\n\t<\/div><!-- .post-content -->\n\t\t\n\t\t\n\t\t\n<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t<div class=\"col-4\">\t\n\t\t\t\t\t\t\n<article id=\"post-1487\" class=\"grid-post post-1487 post type-post status-publish format-standard has-post-thumbnail category-credit-cards tag-debt-snowball-strategy has-excerpt\">\n\t\n\t<div class=\"post-header cf\">\n\t\t\t\n\t\t<div class=\"post-thumb\">\n\t\t\t<a href=\"https:\/\/oolka.in\/blog\/debt-snowball-method\/\" class=\"image-link\">\n\t\t\t\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"370\" height=\"245\" src=\"https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/07\/Debt-Snowball-Strategy-370x245.png\" class=\"attachment-contentberg-grid size-contentberg-grid wp-post-image\" alt=\"Debt Snowball Strategy\" title=\"Debt Snowball Strategy: How Does It Work?\" srcset=\"https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/07\/Debt-Snowball-Strategy-370x245.png 370w, https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/07\/Debt-Snowball-Strategy-270x180.png 270w\" sizes=\"(max-width: 370px) 100vw, 370px\" \/>\t\t\t\t\t\n\t\t\t\t\n\t\t\t<\/a>\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\n\t\t<div class=\"meta-title\">\n\t\t\n\t\t\t\t<div class=\"post-meta post-meta-b\">\n\t\t\n\t\t\t\t\n\t\t\t<span class=\"post-cat\">\t\n\t\t\t\t<span class=\"text-in\">In<\/span> \n\t\t\t\t\t\t\t\t\t\n\t\t<a href=\"https:\/\/oolka.in\/blog\/category\/credit-cards\/\" class=\"category\">Credit Cards<\/a>\n\n\t\t\t\t\t<\/span>\n\t\t\t\n\t\t\t\n\t\t\n\t\t\t\t\t\n\t\t\t\n\t\t\t<h2 class=\"post-title-alt\">\n\t\t\t\t\t\t\t\n\t\t\t\t\t<a href=\"https:\/\/oolka.in\/blog\/debt-snowball-method\/\">Debt Snowball Strategy: How Does It Work?<\/a>\n\t\t\t\t\t\n\t\t\t\t\t\t\t<\/h2>\n\t\t\t\n\t\t\t\t\n\t\t<div class=\"below\">\n\t\t\n\t\t\t\t\t\t\t<a href=\"https:\/\/oolka.in\/blog\/debt-snowball-method\/\" class=\"meta-item date-link\"><time class=\"post-date\" datetime=\"2026-07-16T17:57:00+00:00\">July 16, 2026<\/time><\/a>\n\n\t\t\t\t<span class=\"meta-sep\"><\/span>\n\t\t\t\t\t\t\n\t\t\t\n\t\t\t\t\t\t\t<span class=\"meta-item read-time\">9 Mins Read<\/span>\n\t\t\t\t\t\n\t\t<\/div>\n\t\t\n\t<\/div>\t\t\n\t\t<\/div>\n\t\t\n\t<\/div><!-- .post-header -->\n\n\t\t<div class=\"post-content post-excerpt cf\">\n\t\t<p>The debt snowball strategy is a debt repayment method where you pay off the smallest outstanding debt first while continuing the minimum payment on every&hellip;<\/p>\n\t\t\t\n\t<\/div><!-- .post-content -->\n\t\t\n\t\t\n\t\t\n<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t<div class=\"col-4\">\t\n\t\t\t\t\t\t\n<article id=\"post-1482\" class=\"grid-post post-1482 post type-post status-publish format-standard has-post-thumbnail category-credit-score tag-credit-report has-excerpt\">\n\t\n\t<div class=\"post-header cf\">\n\t\t\t\n\t\t<div class=\"post-thumb\">\n\t\t\t<a href=\"https:\/\/oolka.in\/blog\/what-is-credit-report-and-whats-included\/\" class=\"image-link\">\n\t\t\t\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"370\" height=\"245\" src=\"https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/07\/what-is-a-credit-report-370x245.png\" class=\"attachment-contentberg-grid size-contentberg-grid wp-post-image\" alt=\"what is a credit report\" title=\"What is a credit report? What&#8217;s included in it?\" srcset=\"https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/07\/what-is-a-credit-report-370x245.png 370w, https:\/\/oolka.in\/blog\/wp-content\/uploads\/2026\/07\/what-is-a-credit-report-270x180.png 270w\" sizes=\"(max-width: 370px) 100vw, 370px\" \/>\t\t\t\t\t\n\t\t\t\t\n\t\t\t<\/a>\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\n\t\t<div class=\"meta-title\">\n\t\t\n\t\t\t\t<div class=\"post-meta post-meta-b\">\n\t\t\n\t\t\t\t\n\t\t\t<span class=\"post-cat\">\t\n\t\t\t\t<span class=\"text-in\">In<\/span> \n\t\t\t\t\t\t\t\t\t\n\t\t<a href=\"https:\/\/oolka.in\/blog\/category\/credit-score\/\" class=\"category\">Credit Score<\/a>\n\n\t\t\t\t\t<\/span>\n\t\t\t\n\t\t\t\n\t\t\n\t\t\t\t\t\n\t\t\t\n\t\t\t<h2 class=\"post-title-alt\">\n\t\t\t\t\t\t\t\n\t\t\t\t\t<a href=\"https:\/\/oolka.in\/blog\/what-is-credit-report-and-whats-included\/\">What is a credit report? What&#8217;s included in it?<\/a>\n\t\t\t\t\t\n\t\t\t\t\t\t\t<\/h2>\n\t\t\t\n\t\t\t\t\n\t\t<div class=\"below\">\n\t\t\n\t\t\t\t\t\t\t<a href=\"https:\/\/oolka.in\/blog\/what-is-credit-report-and-whats-included\/\" class=\"meta-item date-link\"><time class=\"post-date\" datetime=\"2026-07-15T11:04:30+00:00\">July 15, 2026<\/time><\/a>\n\n\t\t\t\t<span class=\"meta-sep\"><\/span>\n\t\t\t\t\t\t\n\t\t\t\n\t\t\t\t\t\t\t<span class=\"meta-item read-time\">10 Mins Read<\/span>\n\t\t\t\t\t\n\t\t<\/div>\n\t\t\n\t<\/div>\t\t\n\t\t<\/div>\n\t\t\n\t<\/div><!-- .post-header -->\n\n\t\t<div class=\"post-content post-excerpt cf\">\n\t\t<p>A credit report is a detailed record of your borrowing history, repayment behaviour, active and closed credit accounts, and lender enquiries. Banks and NBFCs use&hellip;<\/p>\n\t\t\t\n\t<\/div><!-- .post-content -->\n\t\t\n\t\t\n\t\t\n<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\n\t\t<\/div>\n\t<\/div>\n\t\n\t\n\t\t\t<\/div>\n\t\n\t<\/section>\n\n[\/vc_column][\/vc_row]<\/p>\n<\/section>","protected":false},"excerpt":{"rendered":"<p>[vc_row full_width=&#8221;stretch_row&#8221;][vc_column][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221;][vc_column][\/vc_column][\/vc_row]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-blocks.php","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Oolka Blog - Oolka<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/oolka.in\/blog\/oolka-blog\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Oolka Blog - Oolka\" \/>\n<meta property=\"og:description\" content=\"[vc_row full_width=&#8221;stretch_row&#8221;][vc_column][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221;][vc_column][\/vc_column][\/vc_row]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/oolka.in\/blog\/oolka-blog\/\" \/>\n<meta property=\"og:site_name\" content=\"Oolka\" \/>\n<meta property=\"article:modified_time\" content=\"2024-12-06T09:33:16+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Oolka Blog - Oolka","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/oolka.in\/blog\/oolka-blog\/","og_locale":"en_US","og_type":"article","og_title":"Oolka Blog - Oolka","og_description":"[vc_row full_width=&#8221;stretch_row&#8221;][vc_column][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221;][vc_column][\/vc_column][\/vc_row]","og_url":"https:\/\/oolka.in\/blog\/oolka-blog\/","og_site_name":"Oolka","article_modified_time":"2024-12-06T09:33:16+00:00","twitter_card":"summary_large_image","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/oolka.in\/blog\/oolka-blog\/","url":"https:\/\/oolka.in\/blog\/oolka-blog\/","name":"Oolka Blog - Oolka","isPartOf":{"@id":"https:\/\/oolka.in\/blog\/#website"},"datePublished":"2024-12-06T09:19:53+00:00","dateModified":"2024-12-06T09:33:16+00:00","breadcrumb":{"@id":"https:\/\/oolka.in\/blog\/oolka-blog\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/oolka.in\/blog\/oolka-blog\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/oolka.in\/blog\/oolka-blog\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/oolka.in\/blog\/"},{"@type":"ListItem","position":2,"name":"Oolka Blog"}]},{"@type":"WebSite","@id":"https:\/\/oolka.in\/blog\/#website","url":"https:\/\/oolka.in\/blog\/","name":"Oolka","description":"Blog - AI Credit Score, Improve Credit, Pay EMIs","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/oolka.in\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/oolka.in\/blog\/wp-json\/wp\/v2\/pages\/213"}],"collection":[{"href":"https:\/\/oolka.in\/blog\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/oolka.in\/blog\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/oolka.in\/blog\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/oolka.in\/blog\/wp-json\/wp\/v2\/comments?post=213"}],"version-history":[{"count":3,"href":"https:\/\/oolka.in\/blog\/wp-json\/wp\/v2\/pages\/213\/revisions"}],"predecessor-version":[{"id":228,"href":"https:\/\/oolka.in\/blog\/wp-json\/wp\/v2\/pages\/213\/revisions\/228"}],"wp:attachment":[{"href":"https:\/\/oolka.in\/blog\/wp-json\/wp\/v2\/media?parent=213"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}