Credit Score or CIBIL score is an important factor in determining whether you will be approved for a Bank loan or not.
A high score represents strong creditworthiness while a low score indicates low creditworthiness. Low scores will brand you as a risky borrower...
A CIBIL score ranges from 300-900, 300 being the lowest or bad cibil score and 900 being the highest.
A credit score is perhaps the single biggest determinant when it comes to you availing a loan, which makes it critical for us to maintain our scores.
The main factor that affect the CIBIL score of a person is his/her own behaviour.