New Delhi, June 3 -- There are a number of ways wherein a borrower can have a low credit score without having any loan to clear. For instance, if you have no credit history, the chances are that your credit score would be low. This is quite common among young professionals and college students who are yet to foray into the credit universe.

So, if you have never taken out a loan or used a credit card, you would barely have a credit history. This can result in a low or non-existent score. Additionally, if the only credit you have used is a credit card and you have missed payments or maxed out your limit, then your credit score could be low without any loans.

Payment history: This indicates the history of payments. This shows whether you h...