CIBIL Score -1: Everything you need to know

A key part of your financial life is your credit score. Most people know about CIBIL Scores that range from 300 to 900, and that a score of 750 or above is generally seen as strong by lenders. But what happens when your CIBIL Score shows as zero or even minus one? These values can be confusing and often raise questions about whether you can still access credit.

Understanding these scores matters because lenders rely on them when reviewing loan or credit card applications. If you are unsure where you stand, it helps to stay informed and prepared. You can also check your pre-approved loan offer using your phone number and OTP, apply online in minutes, and receive funds quickly if you qualify—no branch visit required.

CIBIL Score of 0:

A CIBIL Score of 0, often shown as NA or No Activity, is assigned when you have less than six months of credit history. This usually means you have recently started using credit, and there is not enough information yet to calculate a regular score. It can happen if you have just taken your first loan or credit card, or if you have not used any credit products for a long time.

CIBIL Score of -1:

A CIBIL Score of minus one is different from a score of zero. It does not indicate poor behaviour. Instead, it means there is no credit history at all. This score appears when you have never taken a loan, never owned a credit card, and have no borrowing record. In short, the credit bureau has no data to assess your credit profile.

Having a minus 1 CIBIL Score can make it harder to get a loan or credit card approved. Most traditional lenders depend heavily on credit scores to judge risk. When there is no credit history, lenders find it difficult to assess how reliable you may be as a borrower.

That said, a minus 1 score does not automatically close all doors. Some lenders may still look at other details, such as your income, job stability, or whether you can provide a guarantor. While credit score plays an important role, it is not the only factor considered. If you are exploring options, you can also check offer in 2 steps to understand what financial solutions may be available to you.

If you are concerned about the challenges associated with having a low, zero, or limited credit score, regularly reviewing your credit report can help you better understand your current credit position. Credit reports issued by RBI-authorised credit information companies are designed to give individuals visibility into their credit history and overall credit profile. These reports help you track your progress and identify steps needed to build or improve your credit standing.

By accessing your credit report, you can typically view:

• A consolidated summary of your active and closed credit accounts in one place
• Clear information on factors that influence your credit score, such as repayment behaviour, credit utilisation, and payment timelines
• Periodic updates to your credit score, allowing you to monitor changes over time
• Basic planning tools and insights that help you understand how new loans or credit products may affect your credit profile and monthly repayment obligations

Such reports are especially useful for individuals with limited or no credit history, as they offer clarity and direction at the early stages of the credit journey. With consistent monitoring and responsible credit behaviour, you can gradually strengthen your credit profile. As your score improves, you can also check your eligibility for personal loan and prepare for future financial needs with greater confidence.