Credit Score

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Improve your credit score & credit worthiness!

Got a low credit score? Banks rejected your loan due to a bad credit score? No worries. Now you can easily improve your credit score by using our tips that work just for you. See what you are doing well and where you need to improve.

Features of credit score

Payment history: It shows the percentage of payments done on time. To ensure you have a good credit score consistently make sure you pay your dues on time. The more on-time payment you make, it enhances your credit score.

Credit card utilization: It showcases your percentage utilization of your credit cards. To maintain a healthy score, you must avoid using your credit cards unless necessary.

Number of credit lines: It shows the number of active loans, credit cards, etc on your name. Having a good mix of credit instruments points to a healthy credit score.

Credit Age: It showcases how long have you held a credit account. The older the credit account, the better.

Credit Enquiries: It means the number of times a bank or NBFC has inquired about your credit report from the CICs. The lesser the number of enquires the better.

Defaulted Loans: It shows the loans that are currently in a defaulted state. You at any cost must avoid a defaulted loan. Even a single defaulted loan can adversely impact your credit score negatively.