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Credit Score: A Short Introduction
The New Indian Express Kozhikode
|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.
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FLERE HISTORIER FRA The New Indian Express Kozhikode
The New Indian Express Kozhikode
Lethal injection: ‘Govt not evolving’
THE Supreme Court on Wednesday observed that “the government is not ready to evolve” after it was informed of the Centre’s opposition to using lethal injections as a mode of execution for death row convicts instead of the current method of hanging.
1 min
October 16, 2025
The New Indian Express Kozhikode
Minister’s remarks muddy waters in communally sensitive hijab row
GENERAL Education Minister V Sivankutty has stirred up a hornet'’s nest with his remarks blaming St Rita’s Public School in Kochi for the hijab row, even as political as well as communal organisations jostled with one another to exploit the situation.
1 min
October 16, 2025
The New Indian Express Kozhikode
Will amend plea against husband’s detention, Wangchuk’s wife tells SC
THE Supreme Court on Wednesday allowed Gitanjali J Angmo, the wife of noted climate activist Sonam Wangchuk, to amend her habeas corpus petition challenging her husband's preventive detention under the NSA.
1 min
October 16, 2025
The New Indian Express Kozhikode
Nat’l task force on brain health set up
INDIA has established a National Task Force on Brain Health, with the aim to improve the accessibility and quality of brain healthcare at primary, secondary, and tertiary levels, according to the WHO's new global status report on neurology.
2 mins
October 16, 2025
The New Indian Express Kozhikode
NOBEL IDEAS TO EXPLAIN THE TRUMPIAN UPHEAVAL
N honouring foundational elements of economic growth, the 2025 Nobel Prize in economics speaks to the Trumpian trauma roiling the world at present.
1 mins
October 16, 2025
The New Indian Express Kozhikode
Decline in passport strength of India, US in '25
Slips to 85th rank, US out of top 10
1 mins
October 16, 2025
The New Indian Express Kozhikode
PUTTING WOMENOMICS 2.0 TO WORK
N the world's fastest-growing major economy, half the population still sits out of the workforce.
3 mins
October 16, 2025
The New Indian Express Kozhikode
Sabarimala: Joint forum calls for Prez reference
THE Supreme Court on Wednesday observed that “the government is not ready to evolve” after it was informed of the Centre’s opposition to using lethal injections as a mode of execution for death row convicts instead of the current method of hanging.
1 min
October 16, 2025
The New Indian Express Kozhikode
Tejashwi files papers; no Muslim in JD(U) 1st list
LEADER of Opposition in the Bihar assembly Tejashwi Prasad Yadav on Wednesday filed his nomination papers from Raghopur in Vaishali district, seeking reelection for the third consecutive term.
1 min
October 16, 2025
The New Indian Express Kozhikode
Many injured as mob attacks cop cars taking Zubeen death accused to jail
SEVERAL people, including cops, were injured on Wednesday in Assam's Mushalpur in the Baksa district when a mob clashed with the police protesting the shifting of five people arrested in connection with music icon Zubeen Garg's death, to the recently inaugurated Baksa Central Jail.
1 mins
October 16, 2025
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