Guide to Understanding Your Credit Report
Your CIBIL report is your financial story in one place. While the score (300–900) is the headline, the “Accounts” and “Enquiry” sections are the heart of the narrative.
- What is ‘NH’?: It isn’t a bad mark; it just means your credit history is “No History” or too old to be relevant.
- The Yellow Box: If you see this, your account is under dispute—a crucial flag to watch.
- 4 Key Factors: Your score is built on payment history, utilization, credit age, and recent inquiries.
Watch this video to learn how to read between the lines of your financial resume.