Why your credit score matters
A credit score is a three-digit summary of how reliably you've handled borrowed money. In India, scores from CIBIL, Experian, Equifax and CRIF range from 300 to 900 — the higher the better. Lenders, landlords and even some employers look at it before saying yes.
Checking it for free
You're entitled to one free credit report from each bureau per year. PayLap Score gives you a quick view alongside category-by-category insights so you understand why your score is where it is, not just what it is.
What moves the needle
- On-time EMI and credit-card payments (35%)
- Credit utilisation — try to stay under 30%
- Credit history length
- Mix of credit products
- New enquiries (too many in a short window hurt)
How to improve a score in 6 months
Pay every EMI on or before its due date, keep your card utilisation low, and avoid applying for too many new lines of credit at once. If you've made an error, dispute it through the bureau directly — PayLap Score guides you through the form.
A score isn't a verdict — it's a starting point. Treat it as a habit, not a number.
