Credit Score Guide

Your credit score (commonly the CIBIL score in India) is a 300–900 number lenders use to judge how reliably you repay. A higher score usually means easier approvals and lower interest rates.

What the bands mean

• 750–900 — Excellent. Best rates and highest approval odds.
• 700–749 — Good. Most lenders will approve you.
• 650–699 — Fair. Approval is possible; compare offers carefully.
• Below 650 — Needs work. Focus on the habits below first.

How to improve it

1. Pay every EMI and card bill on time — payment history matters most.
2. Keep credit-card usage under ~30% of your limit.
3. Avoid multiple loan or card applications in a short window.
4. Keep older accounts open to lengthen your credit history.
5. Check your report yearly and dispute any errors.

This is general information, not financial advice. EmiMob is not a lender.