New Delhi, April 3 -- Maintaining a clean credit profile and a good credit score is essential for securing personal loans, credit cards and other similar credit instruments. Due to the recent Reserve Bank of India regulations, Indian credit card users can now cross-check their credit scores for free through the official websites of authorised credit bureaus.

A credit score is a three-digit number that primarily represents your creditworthiness, repayment integrity, and past credit history. It typically ranges from 300 to 900 in India. Further, a score of or above 750 is normally considered excellent and propels chances of loan approvals with easier and better interest rates, along with opportunities to obtain premium credit cards.

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