New Delhi, May 26 -- A credit score of 700 is immensely commendable in India. Still, with how things are evolving in the country with regards to credit distribution and management of finances, aiming for a higher score can unlock better personal loan terms, lower interest rates, easier home loan rates, premium credit card offers and much more.

A higher credit score i.e., any score above 750 or higher can be obtained with sincere discipline, impeccable financial habits, consistent repayments on time and ensuring that your credit utilisation ratio remains under your control.

Backing the same, Raj Khosla, Founder & MD, My Money Mantra, is of the opinion that, "A credit score at 700 is like a tipping point. Try maintaining credit utilisatio...