Happy New Year 2020 from Expert Consultants We wish our fans, clients, and followers a Very Happy New Year 2020. Welcome, New Year 2020 by following our Tips Below so that Your Very First Credit Report in the New Year 2020 is Free from Defects like DPD, Overdues, Settled and Written-Off Accounts: 1. Keep sufficient margin for Interest for the month ending 31st December 2019 on your OD and Working Capital Limits so that the Closing Balance as at the end of the year 2019 at 24:00 Hrs tonight is within the Sanctioned Limits and Drawing Power. 2. For EMI Based Loans - Visit your Bank and Deposit Installments in such a way that the Balance as at the end of the year 2020 at 24:00 Hrs is much below the Drawing Power. 3. Special Attention be paid to Credit Card Balance - and the Total Due as on 31st Dec 2019 must be paid online before the Clock ushers in the New Year 2020. 4. Expired Bank Guarantees must be got removed from the Bank's outstanding Non-Fund Based Credits due to you or your company. 5. In case you have Guaranteed any Loan or Working Capital Facility - Ensure that the Principal Borrower has complied with the above four points as it can also impact your Credit Scores and Credit Report. 6. Close all your Zero Balance Deposit or Loan Accounts as Zero Balance Accounts can cause substantial damage to your Credit Reputation. Regards - Ashok Goyal Retd Chief Manager PNB and Leading Credit Reports Consultant in India [ What's App Nos.9814915812 and 8849950799 ]