{"id":1064,"date":"2026-10-25T05:42:00","date_gmt":"2026-10-25T00:12:00","guid":{"rendered":"https:\/\/bulletnews.in\/?p=1064"},"modified":"2026-10-25T05:42:00","modified_gmt":"2026-10-25T00:12:00","slug":"credit-score-basics-what-it-is-and-how-to-improve-it","status":"publish","type":"post","link":"https:\/\/www.bulletnews.in\/telugu\/credit-score-basics-what-it-is-and-how-to-improve-it\/","title":{"rendered":"Credit score basics: what it is and how to improve it"},"content":{"rendered":"<p>A credit score is a three-digit number that tells lenders how reliably you have repaid credit. Scores in India typically range from 300 to 900, and lenders generally treat 750 and above as good.<\/p>\n<p>The biggest factors are paying every EMI and card bill on time and using only a modest share of your card limit. A common rule of thumb is to keep utilisation below 30 per cent. A long credit history helps, while many new loan applications in a short time can lower the score.<\/p>\n<p>Check your report at least once a year. Under RBI rules, you can get one free credit report every year from each credit bureau. Look for loans you did not take or wrong payment records, and raise a dispute with the bureau if you find errors.<\/p>\n<p>Do not pay anyone who promises to &#x27;repair&#x27; your score quickly. Only time and good repayment habits do that.<\/p>","protected":false},"excerpt":{"rendered":"<p>A credit score is a three-digit number that tells lenders how reliably you have repaid credit. Scores in India typically range from 300 to 900, and lenders generally treat 750 and above as good.<\/p>","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[39],"class_list":["post-1064","post","type-post","status-publish","format-standard","hentry","category-business","tag-personal-finance"],"_links":{"self":[{"href":"https:\/\/www.bulletnews.in\/telugu\/wp-json\/wp\/v2\/posts\/1064","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bulletnews.in\/telugu\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bulletnews.in\/telugu\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bulletnews.in\/telugu\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bulletnews.in\/telugu\/wp-json\/wp\/v2\/comments?post=1064"}],"version-history":[{"count":0,"href":"https:\/\/www.bulletnews.in\/telugu\/wp-json\/wp\/v2\/posts\/1064\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bulletnews.in\/telugu\/wp-json\/wp\/v2\/media?parent=1064"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bulletnews.in\/telugu\/wp-json\/wp\/v2\/categories?post=1064"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bulletnews.in\/telugu\/wp-json\/wp\/v2\/tags?post=1064"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}