Credit bureaus such as TransUnion CIBIL, Experian, Equifax and CRIF High Mark calculate scores from your repayment history, how much credit you use and how many loans you apply for. A score above 750 generally helps you get loans faster and at better rates. You are entitled to a free credit report from each bureau every year.
Finance glossary
What is Credit score?
A three-digit number, usually from 300 to 900, that shows how reliably you have repaid loans and credit cards.