Credit Scorearticle 5 min
What Actually Goes Into Your CIBIL Score
Payment history, utilisation, credit age and mix — explained simply.
Credit bureaus in India (CIBIL, Experian, Equifax, CRIF) build your score from your repayment behaviour.
The big four - Payment history — on-time payments matter most. - Credit utilisation — how much of your card limits you use. - Length of credit history — older accounts help. - Credit mix and enquiries — too many recent applications hurt.
Your income and savings are not part of the score.
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