Score ranges
| Score | What it usually means |
|---|---|
| 750–900 | Excellent — widest choice, best rates |
| 700–749 | Good — most lenders will consider you |
| 650–699 | Fair — fewer offers, higher rates |
| 300–649 | Weak — limited options |
| NA / NH | No credit history yet |
What affects your score
- Paying EMIs and card bills on time (the biggest factor)
- How much of your credit card limit you use — under 30% is healthy
- Mix of secured and unsecured loans
- Number of recent loan applications
- Length of your credit history
Other credit bureaus
India has four credit bureaus: TransUnion CIBIL, Experian, Equifax and CRIF High Mark. Each gives its own score; they are similar but not identical. You are entitled to one free full credit report a year from each.