What Affects Your Credit Score
A credit bureau calculates your Credit Score based on a number of factors.
Get your free Credit Score by sorting out your Credit Report issues based on the following criteria.

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Payment History: 35%
Defaulted or late payment of EMIs or Equated Monthly Instalment damages your Credit Score. Such late or defaulted payment reflects in your Credit Report and have negative impacts on your Credit Score.
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Credit Utilization: 30%
Higher Credit Utilization lowers your Credit Score. When you use credit regularly near to excess, your dependency on too much credit comes to light, and puts off a lender since the risk of default in repayment increases. This becomes cause for a low credit score.
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Length of Credit History: 15%
Longer the History Better the Score. The number of loans availed, and the number of failed applications impact your score depending on your rejections, and approvals.
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Credit Mix: 10%
Balanced Unsecured and Secured Debts make for a Better Score. An ideal mix of secured and unsecured credits build a strong history of credit.
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New Credit: 10%
Higher Number of Credit Accounts and hard Inquires Impacts your Credit Score. Ensure to focuse on soft inquiries and limit the number of accounts you use.