Your Credit Score is closely linked to your credit card or loan behavior. If you're missing any EMI or credit card payments, this can temporarily affect your score. Conversely, if you apply for credit cards or loans too often, or apply for too much in one go, this will also affect your score temporarily.

A high credit score makes it easy for your credit requests to be approved and enables you to receive lower interest rates than the market. A good Credit score also makes it easy for your creditors to raise your limits, thus increasing your ability to borrow more money in the future.

Checking your Credit Score on a regular basis does not affect it negatively. Rather it gives you an insight into how long you have to pay off your credit card debts. You will also get to know if any overdue payments can be recovered quickly or need some time to repay. Keeping tabs on your Credit score is indeed important for all and we advise everyone to check their score frequently.

When you pay your add-on card, the same details get reflected on both the primary and add-on credit card. Hence, it is necessary to check that no payment has been made on these cards alone. If this is not the case, there must have been an error in adding or editing your account details with EXPERIAN.

Your report will show all loans in which you are the guarantor. These loans would be more important if they are unpaid and thus are defaulting on. Some banks and financial institutions ask for a guarantor for certain loans. The guarantor is equally responsible and accountable for ensuring the repayment of the loan amount.

Your score is calculated using the information in your Credit Report, including your credit profile, annual income, bills and credits. If there is something inaccurate with one of these components or if your bank or financial institution does not follow their due diligence process properly, then it may result in incorrect information on your Credit Report. You can check for this directly by contacting the bank or financial institution.

Credit Score is updated manually at the end of every 30 days. The latest score can be fetched by clicking on the Request Latest Credit Score link on your Scores page.

Yes, When you pay in full each month, your yearly credit card interest charges will be lower. This lowers your overall credit utilization ratio, which is an important factor that affects your credit score.

Your Credit Score is a number about you. Only members of EXPERIAN, like certain banks and lenders, can see your number.

In India, a credit score has a range between 300 and 900. The higher your credit score is, the more competitive you are while trying to get new loans or credit cards. So, if you want to be eligible for better loan deals you need to have a Credit Score between 700-900.

The minimum Credit score required is 300 and maximum is 900. In fact, 80% of loans get approved if the score is more than 750.

If your Credit report has errors, it may not reflect your actual credit history. Any discrepancies will be highlighted in the report and could affect your decision to approve the loan.

Since your PAN is linked with government records and regulatory agencies, it helps Experian obtain your general financial profile. You can request a free credit score report once every year or multiple times by paying the required charges. As a result, you'll get an idea about the degree of details related to your finance accounts that the credit information bureaus have.

No, there is no limit to request for accessing credit score.

Credit bureau keeps the record of the defaulters for seven years.

The credit score and report assist banks/creditors in determining a borrower's capacity for repayment. This helps in determining whether to grant or reject the loan applications of an individual or not. The banks also use credit score in deciding a customer's installment rate and due dates while paying off the loan/debt.