New Delhi, Sept. 26 -- A credit score does not directly determine visa approvals, but it plays a noteworthy role in presenting a strong financial profile that may indirectly influence the outcome of visa applications, especially for Indian travellers applying for long-term, study, or business visas to certain countries.

A credit score is a three-digit number that reflects a person's repayment integrity and creditworthiness. This number is based on several factors, such as existing debts, financial behaviour, past missed payments, etc.

The most recognised credit bureaus in the country are CRIF High Mark, CIBIL, Experian, and Equifax. These bureaus give borrowers credit scores, which generally range from 300 to 900. The higher the score, ...