कोशिश गोल्ड - मुक्त
Credit Score: A Short Introduction
The New Indian Express Shivamogga
|August 11, 2025
A credit score is a numerical representation of creditworthiness, reflecting how likely you are to repay borrowed money.
It's calculated based on your credit history and is used by lenders to assess the risk of lending to you. Credit scores range from 300 to 850, with higher scores indicating better credit. Most common models are Transunion Cibil, Experian, Equifax, etc.
Factors affecting credit score
• Payment history (35%): Whether you pay bills on time. Late or missed payments, or defaults hurt your score.
• Credit utilization (30%): The ratio of credit card balances to credit limits. Lower utilization is better.
• Length of credit history (15%): The age of the oldest account, average age of accounts, and age of newest accounts.
• Types of credit (10%): A mix of credit types (credit cards, mortgages, auto loans) can positively impact your score.
यह कहानी The New Indian Express Shivamogga के August 11, 2025 संस्करण से ली गई है।
हजारों चुनिंदा प्रीमियम कहानियों और 10,000 से अधिक पत्रिकाओं और समाचार पत्रों तक पहुंचने के लिए मैगज़्टर गोल्ड की सदस्यता लें।
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