New Delhi, June 19 -- If you want to borrow a loan, the first thing any lender would look for is your credit score. It is an indicator of your creditworthiness and is based on payment history and credit behaviour. The more disciplined you are in your payment history, the higher your credit score. And the less disciplined you are in your credit history, the lower your score.

Let us first understand what a goodcredit score is. Typically, the score above 700 is believed to be good. And when it is above 750, it is considered excellent. And when the score is excellent, you can manage to raise a personal loan at a low rate of interest.

Then the score in the range of 650 to 699 is fair and below this is known aspoor credit score. At that level...