If you don’t have much or any credit history, you could be counted among the credit invisible or the unscorable. That doesn’t mean you have a credit score of zero. Rather, you have little or no information associated with your credit profile and, therefore, no score at all.

Your credit score is one of the most important factors lenders consider when you apply for a mortgage. Not just to qualify for the loan itself, but for the conditions: Typically,

When a borrower’s credit score is found to be high, banks are willing to offer loan since the applicant is seen to be financially sound. Conversely, when he has a poor score, banks tend to become eith

Improve your credit score by paying on time, keeping debt low, maintaining old accounts, limiting new applications, and diversifying your credit types.

Learn what could be negatively impacting your credit score, from a high utilization rate to late payments and more.

It is quite important to check your CIBIL score on a regular basis. And when it is low, it is incumbent upon you to take a series of steps over the next year to push the credit score upward.

Late payments can be a significant hurdle in maintaining a healthy credit score. However, there are strategic steps you can take to mitigate their impact.