![]() It suggests you have been regular with credit payments and have an impressive payment history. However, you may still not have the negotiation power to get the best deal on the rate of interest for loan. Lenders will consider your credit application and offer you a loan. You should continue displaying good credit behaviour and increase your score further. If your CIBIL score is in this range, you are on the right path. The interest rates on the loan could also be higher. It suggests you have been struggling to pay the dues on time. With a CIBIL score in this range, it will be difficult for you to get a loan or a credit card as you are at a high-risk of turning into a defaulter.Ī CIBIL score in this range is considered as fair. It means you have been late in paying credit card bills or EMIs for loans. ![]() If you have not used a credit card or have never taken a loan, you will have no credit history.Ī CIBIL score in this range is considered as a bad CIBIL score. ![]() This means it is either “not applicable” or no history”. ![]()
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