Your CRIF Credit Score is determined by analyzing your financial and credit behavior using the following factors:

FactorWeightage (%)Impact on Credit Score
Repayment History35%Late or missed payments lower the score.
Credit Utilization30%Using over 30% of your available credit negatively impacts the score.
Length of Credit History15%A longer history of responsible credit use improves your score.
Credit Mix (Secured vs. Unsecured Loans)10%A mix of secured (business loans, home loans) and unsecured credit (credit cards) benefits your score.
New Credit Inquiries10%Too many loan applications in a short period lower your score.


A strong credit score is built through responsible financial management, timely repayments, and keeping credit utilization low.