New Delhi, Feb. 13 -- If you are planning to raise apersonal loan or applying for a credit card, remember that the lender would assess your credit score to determine your creditworthiness.

A credit score, as you would know, is a three digit number that shows the creditworthiness of the borrower based on your credit history. It is recommended to check yourcredit scoreon a regular basis.

Here we list out the 5 key factors that play a role in determining your credit score.

I.Whether you pay your credit card bill on time:One of the key factors which plays a role in determining your credit score is whether you pay your credit card bill on time.

For instance, if you delayed your credit card bill payment or defaulted on it, your credit score...