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What is a Credit Score I CIBIL Score I 2023!

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A credit score is a three-digit number, usually between 300 and 850, designed to represent your credit risk, or probability of paying your bills on time.

Credit scores are calculated using the information on your credit reports, including your payment history, the amount of debt you have, and the length of your credit history.

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Higher scores mean that you have demonstrated responsible credit behavior in the past, which can make potential lenders and creditors more confident when evaluating a credit application.

Credit score ranges vary based on the credit rating model used, but are generally similar to:

  • 300-579: weak
  • 580-669: just
  • 670-739: Good
  • 740-799: Very good
  • 800-850: Excellent

There are many different scoring forms, and some use other data, such as your income, when calculating credit scores. Credit scores are used by potential lenders and creditors, such as banks, credit card companies or car dealerships, as a factor when deciding whether to extend credit to you, such as a loan or credit card.

Why are credit scores important?

Why is it important to strive for the higher credit score? Simply put, those with higher credit scores generally get more favorable credit terms, which may translate into lower payments and lower interest payments over the life of the account.

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Remember, however, that the financial and credit situation is different from one another. Different lenders may also have the different criteria when it comes to granting credit, which may include information such as your income.

The types of the credit scores used by lenders and creditors may vary based on their industry. For example, if you’re buying a car, an auto lender might use a credit score that focuses more on your payment history when it comes to auto loans.

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What affects your credit score?

Common factors can affect all of your credit scores, and they are often broken down into five categories:

  • Payment history: Making timely payments on your credit accounts can help drive your results. But not having payments, sending an account to collection groups, or filing for bankruptcy can hurt your results.

 

  • Credit usage: How many of your accounts have balances, the amount you owe and the portion of the credit limit you use in revolving accounts all go here.

 

  • Credit history length: This category includes the average age for all of your credit accounts, along with the age of your oldest and most recent accounts.

 

  • Account types: Also called “credit mix,” this takes into account whether you manage installment accounts (such as a car loan, personal loan, or mortgage) and revolving accounts (such as credit cards and other types of credit lines). Showing that you can manage both types of accounts responsibly helps overall to achieve your results.

 

  • Recent Activity: This takes into account whether you recently applied or opened new accounts.

Why are there different credit scores?

The credit scores are a tool that lenders use to make lending decisions. FICO® and VantageScore create different credit scoring models for lenders, and both companies release new versions of their credit score models periodically — similar to how other software companies might introduce new operating systems. Recent releases may incorporate technological developments or changes in consumer behaviour, or comply better with modern regulatory requirements.

For example, VantageScore creates a three-desk scoring form, which means the same form can evaluate your credit report from any of the three major consumer credit bureaus (Experian, TransUnion, and Equifax). The first version (VantageScore 1.0) was created in 2006. The latest version, VantageScore 4.0, was released in 2017 and was developed based on data from 2014 to 2016.

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It was the first public credit score to incorporate rolling data—in other words, how consumers manage their accounts over time. the time.

FICO® is an older company, and was one of the first to create credit scoring models based on consumer credit reports. It creates different versions of its scoring forms for use with each credit bureau’s data, although recent versions share a common name, such as FICO® Score 8. There are two common types of FICO® score for consumers:

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FICO® Base Score: These scores are created for any type of lender to use, as they are intended to predict the likelihood of a consumer defaulting on any type of credit obligation. The base FICO® scores range from 300-850.

Industry-specific FICO® scores: FICO® generates automated scores and bank card scores specifically for auto lenders and card issuers. Industry scores are intended to predict a consumer’s likelihood of falling behind a specific account type, and scores range from 250 to 900.

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Undekhi A Dark Compelling  Thriller Set In The Heartland

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Undekhi A Dark Compelling  Thriller Set In The Heartland 4

Undekhi  the  forthcoming webseries  from Applause Entertainment  and Sony LIV which  starts  streaming from July 10,   looks  like  the  kind  of   thriller  that  won’t let  us rest  easy until we see  the last episode. It is mounted  with  a  stress on growing pressure.

One  promo shows  a rotund  cop investigating  a gruesome  murder  in  a dense tribal area.The other promo  shows a politician gunning  down a dancer on stage  in front of  the public and  the  press.

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Wild  West  comes to the North. Undekhi is a thriller set in Manali, Himachal created for Applause by Siddharth Sengupta. It’s a gripping story that sees Harsh Chhaya making an  impressive comeback as a drunk Papaji in a super-rich amoral Punjabi  family. And Surya Sharma (Prince from Hostages) really shines as Rinku ,  the main bad guy and Papaji’s nephew. It’s got a terrific cast of other characters, many of whom we  all  recognize as names .

The talented  Harsh Chhaya  makes a debut of sorts  on the  digital medium  with Undekhi.

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Says Harsh, “I  have never played anything so wild and mad. I am looking forward to Undekhi, hope it works for the audience too.This is a debut in a sense that this is the first one I shot for the OTT  platform.But the other two I shot for after this was  streamed   before this one Out Of Love and  Rangbaaz, Phir Se.

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Phil Ivey’s Net Worth (Updated 2021)

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Phil Ivey's Net Worth (Updated 2021) 5



Phil Ivey's Net Worth (Updated 2021) 6

What is Phil Ivey’s net worth? 

Net Worth: $100 Million
Age: 44
Born: February 1, 1977
Country of Origin: United States of America
Source of Wealth: Professional Poker Player
Last Updated: 2021

Introduction   

Phil Ivey is an American professional poker player.

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Ivey has won ten World Series of Poker bracelets, one World Poker Tour title, and appeared at nine World Poker Tour final tables. Ivey is regarded by numerous poker observers and contemporaries as the best all-around player in the world.

He was elected to the Poker Hall of Fame in 2017. 

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As of 2021, Phil Ivey’s net worth is estimated to be roughly $100 million. 

 

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Early Life

Phillip Dennis Ivey Jr. was born on the 1st of February, 1977, in California.

He first began to develop his poker skills by playing against co-workers in New Jersey in the late 1990s. 

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His nickname “No Home Jerome” stems from the fake ID card he secured to play poker in Atlantic City, New Jersey, in his teenage years. Ivey was given the nickname “The Phenom” after winning three World Series of Poker bracelets in 2002. 

 

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Career 

Ivey’s tournament accomplishments include winning three bracelets at the 2002 World Series of Poker, tying Phil Hellmuth Jr, Ted Forrest, and Puggy Pearson. 

He also has bracelets in Pot Limit Omaha from 2000 and 2005. In 2000, he was the first person to defeat Amarillo Slim heads-up at a WSOP final table.

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Ivey placed in the top 25 four times between the 2002 World Series of Poker and the 2009 World Series of Poker. Ivey finished 23rd in 2002, 10th in 2003, 20th in 2005, and 7th in 2009.

In the 2010 World Series of Poker, he received the most votes for the Tournament of Champions. At the 2010 WSOP, Ivey won his eighth bracelet in the $3,000 H.O.R.S.E. event in a final table made up of other notable players. 

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Between 2002 and 2009, he finished among the top 25 players in the Main Event four times, in fields ranging in size from 600 entrants to just under 7,000.

As of 2021, Phil Ivey’s net worth is estimated to be roughly $100 million. 

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How Does Phil Ivey Spend His Money?

Phil Ivey spends some of his money going on expensive NBA games and donating money to charities. 

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Phil Ivey’s Hobbies 

Ivey is a huge fan of the NBA’s Houston Rockets and L.A. Lakers. But cheering on his favorite teams is only one of Ivey’s hobbies.

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He also likes to partake in golf. Ivey finished third in the inaugural World Series of Golf. He also enjoys video games and making a few side bets in his spare time. 

 

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Phil Ivey’s Charity Work 

Ivey also has a very charitable side, with generous donations to Empowered to Excel and as co-founder of the Budding Ivey Foundation. 

 

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Highlights

Here are some of the best highlights of Phil Ivey’s career:

  • Has won ten World Series of Poker bracelets
  • Poker Hall of Fame (2017) 

 

Favorite Quotes from Phil Ivey

“The biggest thing when you’re playing live is that you’re sitting across from the player and can get a detailed impression of how they’re acting, and whether they’re expressing strength or weakness. Online, it’s much more about betting patterns, and you’re using a much narrower range of cues to what they’re holding and thinking.” – Phil Ivey

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“I never thought about poker not working out. When I started playing poker, I just thought this is what I’m going to do for the rest of my life. You have to think that way, and if it doesn’t work out, of course, you move on from there. But if you start out thinking any other way, you’re setting yourself up to fail.” – Phil Ivey 

“I’d start out by joining training sites, like Ivey League. There’s free content there for people who are starting out, fundamental strategy for folks building their game, all the way up to very high-level content for professional players. I’d work on my game online and at casinos, build my bankroll, find good games.” – Phil Ivey

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“I see Ivey League as part of my legacy, and I want to teach the world to win at poker. Want to build a training site that can help people who have never touched a deck of cards as well as support the particular needs of top-tier players who are building a world-class game.” – Phil Ivey 

“I actually spent most of that time working with my team to define and prototype parts of Ivey Poker and Ivey League. From my point of view, it was a hectic time.” – Phil Ivey 

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3 Life Lessons from Phil Ivey

Now that you know all about Phil Ivey’s net worth and how he achieved success; let’s take a look at some of the lessons we can learn from him: 

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1. Chances 

You’ve got to take some chances, know when you’re beaten and know how to get certain advantages.

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2. Ambitions 

Many people these days are too ambitious; their sights are set too high at the start, and they end up diving in too deep, quitting their day job too soon.

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3. Fight 

You get your chips your way if you fight for it. 

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Summary  

Phil Ivey is an American professional poker player. Ivey moved to Roselle when he was just a baby. Ivey is an eight-time winner of the World Series of Poker.

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He has also won the World Poker Tour title. Ivey first became interested in online poker while working at a telemarketing firm in New Jersey. He would play with his co-workers during breaks and after work.

As of 2021, Phil Ivey’s net worth is estimated to be roughly $100 million. 

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What do you think about Phil Ivey’s net worth? Leave a comment below. 



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Stephanie Beacham’s Net Worth (Updated 2021)

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Stephanie Beacham's Net Worth (Updated 2021) 7



Stephanie Beacham's Net Worth (Updated 2021) 8

What is Stephanie Beacham’s net worth? 

Net Worth: $25 Million
Age: 74
Born: February 28, 1947
Country of Origin: United Kingdom
Source of Wealth: Professional Actress
Last Updated: 2021

Introduction 

Stephanie Beacham is an English radio, film, and theatre actress.

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Beacham is best known for her television roles in the BBC drama ‘Tenko,’ ‘Connie’ and ‘The Colbys’. Her film appearances include ‘Dracula A.D. 1972’, ‘Schizo’ and ‘Troop Beverly Hills’.

She started to appear on British television in 1967. She made her big-screen debut in ‘The Games’ in 1970. 

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As of 2021, Stephanie Beacham’s net worth is estimated to be roughly $25 million. 

 

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Early Life 

Stephanie Beacham was born on the 28th of February, 1947, in London, England.

Beacham is the daughter of Joan and Alic. Her mother was a housewife, and his father was an insurance executive and the managing director of the Grosvenor Estate.

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Beacham attended Barnet’s Queen Elizabeth’s Girls’ Grammar School and later traveled to Boulogne-Billancourt in Paris, France, to study mime with Etienne Decroux, before attending the Royal Academy of Dramatic Art. 

 

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Career 

Beacham’s goal was to teach dance movements to deaf children. She then started a career in modeling and then began acting in television. In 1967, she received her first screen role in the BBC series ‘The Queen’s Traitor’. 

She continued to appear on multiple films, television, and stage. From 1981 to 1982, Beacham featured as a member of the ensemble cast of the BBC series ‘Tenko,’ about a group of women prisoners of war held captive by the Japanese after their invasion of Singapore in 1942. 

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In 2003, she returned to the UK to play the drama ‘Bad Girls’. She remained with the series to the end in 2006. She was involved in launching the Sense-National Deafblind and Rubella Association Fill in the Gaps campaign. 

In 2016, Beacham was a guest on BBC Radio 2’s Graham Norton Show. She discussed her role as Princess Margaret. The play, A Princess Undone by Richard Stirling, premiered at the Cambridge Arts Theatre. 

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As of this year, agent and novelist Melanie Blake announced plans to plans to launch a new British soap opera, ‘Falcon Bay.’ She confirmed that Beacham would star in the soap. 

As of 2021, Stephanie Beacham’s net worth is estimated to be roughly $25 million. 

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Highlights

Here are some of the best highlights of Stephanie Beacham’s career:

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  • The Nightcomers (Movie, 1971) 
  • Superbitch (Movie, 1973) 
  • Inseminoid (Movie, 1981) 
  • The Colbys (TV-Show, 1985 – 1987) 
  • Sister Kate (TV-Show, 1989 – 1990) 

 

Favorite Quotes from Stephanie Beacham 

“When I look in the mirror, I sometimes think I’m getting old, but then I have two generations behind me so that helps puts things into perspective. I am a grandmother now, but at least my nine-year-old grandson Jude calls me Glamma and not Granny.” – Stephanie Beacham

“One of the reasons I wanted to teach deaf children was because it made me very sad that they spoke so clumsily and that they moved with less grace that I knew was possible of deaf people.” – Stephanie Beacham

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“When I was young I used to smother myself with olive oil mixed with a dash of vinegar to keep the flies away and lay in the sunshine for hours on end. But we knew no better then. Now we know how stupid that was.” – Stephanie Beacham

“I have to concentrate more intently when people speak. Always have to position myself on their right side so that I can hear out of my left ear. I sometimes get a crick in my neck from listening. But I don’t there’s too much else.” – Stephanie Beacham

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“When I got into the Royal Academy of Dramatic Art, a doctor told me to give up the course as I’d be totally deaf within a couple of years. But I refused to give in.” – Stephanie Beacham

“When I was young, I used to smother myself with olive oil mixed with a dash of vinegar to keep the flies away and lay in the sunshine for hours on end. But we knew no better then. Now we know how stupid that was.” – Stephanie Beacham

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3 Awesome Lessons from Stephanie Beacham

Now that you know all about Stephanie Beacham’s net worth and how she achieved success; let’s take a look at some of the lessons we can learn from her: 

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1. Life Changes 

Life changes very quickly, in a very positive way, if you let it.

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2. Sunshine 

Keep your face always toward the sunshine and shadows will fall behind you.

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3. Motivation 

Motivation comes from working on things we care about. 

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Summary  

Stephanie Beacham is an English actress. Beacham studied mime with Etienne Decroux in Paris, France, and attended the Royal Academy of Dramatic Art in London.

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In 1967, her first screen role came in the BBC series ‘The Queen’s Traitor.’ She made appearances in The Saint,’ ‘Callan,’ and ‘UFO.’ 

As of 2021, Stephanie Beacham’s net worth is estimated to be roughly $25 million. 

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What do you think about Stephanie Beacham’s net worth? Leave a comment below. 



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Watch Gehraiyaan Movie (2022) Online on Amazon Prime Video

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Watch Gehraiyaan Movie (2022) Online on Amazon Prime Video 9

Gehraiyaan is the latest Hindi movie starring Deepika Padukone, Siddhant Chaturvedi, and Ananya Pandey in the lead roles. Directed by Shakun Batra, the film was bankrolled by Karan Johar and Apoorva Mehta of Dharma Productions. It is one of the much-anticipated films which deals with the adulterous affair that affects the bond between Deepika and Ananya. According to reports, there are also many romantic scenes between Deepika Padukone and Siddhant. The film also features Dhairya Karwa in a prominent role.

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Genraiyaan movie is slated to be released on 25th January 2022.

WATCH GEHRAIYAAN MOVIE ON AMAZON PRIME VIDEO

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Watch Gehraiyaan Movie (2022) Online on Amazon Prime Video 10

You can stream and download Genraiyaan movie 2022 on the official media platform Amazon Prime. Avoid using torrent websites like Khatrimaza, Filmywap, Moviesruls, Tamilrockers, iBomma, and more.

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Watch the latest teaser of Amazon Prime Gehraiyaan 2022,

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https://twitter.com/PrimeVideoIN/status/1472787845957881857

Gehraiyaan Hindi Movie Full Details

Check out the complete details on Gehraiyaan film 2022,

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Movie Name: Gehraiyaan
Director: Shakun Batra
Music: NA
Available: Amazon Prime Video
Release Date: 25 January 2022
Language: Hindi

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