Credit Score
credit score
CIBIL
credit utilisation
loan eligibility
Credit Score: What to Fix Before You Apply
Improve your credit profile by checking repayment history, utilisation, account mix, and recent enquiries.
Published by Arthlyn Editorial Team. Updated Reviewed by Arthlyn Loan Advisory Team
Published - 5 minute read
The score is only one signal
A higher score helps, but lenders also evaluate income, banking conduct, obligations, employer category, geography, and internal policy.
Still, reviewing your report before applying can prevent avoidable rejection due to incorrect overdue entries or high credit-card utilisation.
- Pay current dues on time and clear overdue amounts first.
- Keep card utilisation moderate before applying.
- Do not submit too many applications at once.