New Delhi, April 28 -- It is not uncommon for som people to have zero credit history. This usually happens with the students and young professionals who do not have a history of using a credit card.

Here, we delineate key differences between having low credit score and no credit score.

A 'no credit history' typically happens when someone has never taken a loan, used a credit card, or engaged in any credit activity. This means there's no financial history for lenders to evaluate.

This is not uncommon among young people who are just starting their financial careers. In contrast, a low credit score refers to the person who has used credit but has not been able to manage it well. For instance, they may have missed some of their credit card...