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What are some of the common credit score misconceptions?

In India, there are a lot of false beliefs about credit ratings. Some of these are:

  • If I check my credit score, it will go down.
  • My residence affects my credit score
  • Co-borrower has no impact on my credit rating.
  • My credit score will be high if I don't use any credit.

Those above are all misconceived notions. For more on this topic of cibil score misconceptions, please read this article.