New Delhi, March 7 -- It could be frustrating to have a lowcredit score without ever taking a loan, but there are multiple reasons for this to happen, particularly if you are new to credit or have not actively used credit products.

Here's why your score might be low:

I.No credit history: If you have never taken out a loan or credit card, credit bureaus such asCRIF High Mark would - in all likelihood - have no data to assess your credit score. This could be common among youngsters such as students or those who always pay via cash or debit card.

II.Inactive credit card: If you have acredit card but never use it, the credit bureaus can't assess how you manage credit. Inactivity can be treated the same as having no credit history.

III.Cre...