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Sagot :
Payment history — whether you pay on time or late — is the most important factor in your credit score making up 35% of your score. That's more than any one of the other four major factors, which range from 10% to 30%.
CIBIL score
Thee factors that affect your CIBIL score, you need to be careful and avoid a couple of mistakes. Some of the mistakes that can negatively affect your CIBIL score.
- Not settling bills on time
- Holding a high credit utilization ratio
- Availing of several unsecured loans
- Creating multiple credit inquiries
- Having no or low credit history
- Not reviewing your CIBIL report
- Closing old credit cards
To learn more about credit scores visit the link
https://brainly.com/question/25668115
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