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What is a credit score?

Your credit score is a three-digit number that indicates your ability to pay debts or outstanding credit to lenders. While taking a loan or filing any debt application, the lender evaluates your credit score before sanctioning the amount to you.

Your credit score ranges from 300- 900. A high credit score increases your chance of getting your debt or loan application approved easily and quickly. It also improves your chance of getting a better interest rate or better terms on your loan application. Your credit score is determined by your history of repayments, the total amount you owe, the length of your credit history, the types of credit instruments and quantum of new credit you have borrowed. Hence, it just takes your credit track record into consideration without factoring in your investments, assets or non-credit related financial transactions.

Before you make a loan or credit card application, it is wise to know your credit score as it gives you and your lender an idea of your credit history and standing, thus helping you know whether your loan would be approved or rejected.

A score above 750 is considered to be good and is likely to strengthen your loan application.

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