Full explanation
CIBIL TransUnion Score: 300–900. 750+ is "good"; 800+ is "excellent." Calculated from: (1) Payment history (35%): have you paid EMIs on time? (2) Credit utilisation (30%): how much of your credit limit are you using? Below 30% is ideal. (3) Credit history length (15%): older accounts improve score. (4) Credit mix (10%): having both secured (home/auto loan) and unsecured (credit card) is better. (5) New inquiries (10%): multiple loan applications in short period hurt score. Free check: CIBIL.com (once/year free), BankBazaar, Bajaj Finserv (free unlimited).