Checked Your CIBIL Score Yet? Here’s Why You Should Before Marriage

Panchkula (The Uttam Hindu): Till now, it was all about Rahu-Ketu or being Manglik as the hurdles to a happy married life. But in today's world, a bad CIBIL score is fast becoming the new relationship killer. Yup, you read that right—now girls are seriously checking the boy’s CIBIL score before tying the knot. Gone are the days when the only check was the guy's job, family background, or food habits; now, it’s about how financially stable he is.

Parents used to spend years looking for the perfect match, getting all the info they could about the guy’s job, income, family, and overall lifestyle. But now, that just isn’t enough. If the guy’s CIBIL score isn’t up to the mark, it can lead to the relationship falling apart. Family court lawyer Yagya Dutt Sharma shared that in many cases, girls not only ask for a CIBIL score but also demand a medical certificate. If the guy’s not fit, it's game over. And they’re not just asking family members anymore—they're contacting marriage advisors and lawyers to get the full financial check-up.

The Rise of the CIBIL Score Check

It all started after a story in Maharashtra went viral—where a relationship broke because of the guy’s bad CIBIL score. This made waves, and soon girls across the country began asking to see the score before getting serious about a relationship. Sharma also mentioned that the family court has seen multiple cases where the marriage was set in motion before the CIBIL score came into play, but later, when the debt burden came out, the bride's family was left dealing with the fallout.

Why Is It So Important to Check the CIBIL Score Before Marriage?

According to Sharma, a girl has every right to know the financial situation of the person she’s about to marry, especially to avoid any debt surprises later on. In many cases, after marriage, the girl discovered the guy was drowning in debt. The pressure of dealing with that debt often fell on the bride’s side, and the marriage started facing serious problems. That’s why now, girls are demanding a CIBIL score above 750 as a deal-breaker. Without that score, it's a no-go.

What’s the Big Deal About CIBIL Score?

Simply put, if your CIBIL score is above 750, you’re in the clear for getting loans easily. But if it’s under 700, you’ll face a much tougher time getting any loan, and below 685 is a red flag. It means you’ve either defaulted on loans in the past or have too much unpaid debt. CIBIL shows the whole picture: when the loan was taken, when it was paid, and when it wasn’t.

How to Check Your CIBIL Score

It’s easy to check your CIBIL score. You can do it through your bank or use trusted websites that offer the service. Just make sure you’re using a legit site—there are many fake ones out there. Banks also perform CIBIL checks before granting loans, so if you’re serious about your finances, it’s worth checking regularly.

Some Real-Life Cases

Sharma shared one shocking case where the girl demanded to see the guy’s CIBIL score and bank statements before marriage. Ignoring her request, she married him under family pressure. After the wedding, she discovered he was buried under a mountain of debt, and the relationship quickly unraveled. Another case involved a girl marrying a guy only to find out after the wedding that he had a serious health issue. She filed for divorce after discovering the truth, highlighting the growing trend of checking not just CIBIL scores but medical certificates too.

Expert Opinions

While some families may feel uncomfortable with the new trend of checking the CIBIL score or medical history, experts agree that it’s a smart move to avoid future complications. After all, clarity about a person’s financial health and fitness level can go a long way toward ensuring a peaceful, happy marriage.

Why Does CIBIL Score Go Bad?

Harmesh, an income tax expert, explained that the major culprit behind bad CIBIL scores is the failure to repay loans or credit cards on time. Taking too many loans, overusing credit cards, or repeatedly applying for loans can negatively impact the score. Keeping track of your credit is essential to maintain a healthy financial life.

So, if you're thinking about tying the knot, don’t just rely on the wedding bells—check the CIBIL score first. It’s no longer just about love; it’s about the money too!