Tools
Credit Score Explainer
See how everyday habits tend to move a credit score. Educational only; this is not a credit bureau score.
This is not your credit score. It's an educational tool showing how common habits tend to affect scores. Only credit bureaus can calculate your score. You can get a free credit report from each bureau once a year.
- Helps
Repayment history · Biggest factor
Paying every EMI and bill on time is the strongest positive signal.
- Helps
Credit utilisation · Major factor
Using 20% of your limit shows you're not stretched.
- Neutral
Recent credit applications · Smaller factor
A few applications spread over time are normal.
- Neutral
Length of credit history · Moderate factor
A short history is normal for students. Keep your first account open and it will grow.
- Neutral
Credit mix · Smaller factor
One type of credit handled well is a fine start. Don't take a loan just to improve your mix.