CIBIL offers general advice on what affects your credit score. So if I have defaulted on credit cards or loans in recent years, then you can be sure that your score will not be very good. But there is no clarity on the points taken into account in awarding the score that separates a client from another, although at first sight have a similar credit profile. So much so that even two brothers who have similar credit profile, you can get a 30 to 40 points in their credit scores. The finer points that affect results are known slowly over a period of time.

 

As a general rule, if you have a reasonable number of credit accounts (credit cards and loans) that have been in operation for some time and your payment history is good, then you should have a good score. Reproducibility is naturally wary of saying what a "good" as it is for each lender to interpret.