 {"id":6048,"date":"2025-07-11T17:29:34","date_gmt":"2025-07-11T11:59:34","guid":{"rendered":"https:\/\/1finance.co.in\/magazine\/?post_type=web-story&#038;p=6048"},"modified":"2025-07-14T11:00:01","modified_gmt":"2025-07-14T05:30:01","slug":"understanding-and-improving-your-credit-score","status":"publish","type":"web-story","link":"https:\/\/1finance.co.in\/1f-dashboard\/web-stories\/understanding-and-improving-your-credit-score\/","title":{"rendered":"Understanding and improving your credit score"},"content":{"rendered":"<p><html amp=\"\" lang=\"en\"><head><meta charSet=\"utf-8\"\/><meta name=\"viewport\" content=\"width=device-width,minimum-scale=1,initial-scale=1\"\/><script async=\"\" src=\"https:\/\/cdn.ampproject.org\/v0.js\"><\/script><script async=\"\" src=\"https:\/\/cdn.ampproject.org\/v0\/amp-story-1.0.js\" custom-element=\"amp-story\"><\/script><link href=\"https:\/\/fonts.googleapis.com\/css2?display=swap&amp;family=Fira+Sans\" rel=\"stylesheet\"\/><link 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         text-align: center;\n              }\n              <\/style>\n<p><meta name=\"web-stories-replace-head-start\"\/><title>Understanding and improving your credit score<\/title><link rel=\"canonical\" href=\"https:\/\/1finance.co.in\/1f-dashboard\/web-stories\/understanding-and-improving-your-credit-score\/\"\/><meta name=\"web-stories-replace-head-end\"\/><\/head><body><amp-story standalone=\"\" publisher=\"1 Finance Magazine\" publisher-logo-src=\"https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/01\/Square-1F-Logo-50x50-1.png\" title=\"Understanding and improving your credit score\" poster-portrait-src=\"https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/cropped-slide-1.jpg\"><amp-story-page id=\"f94b56aa-3099-417a-a008-7a4cdbeb65b7\" auto-advance-after=\"7s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#16110c\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-802c4eb2-7037-4b60-b0e2-b0b9327a0580\">\n<div style=\"position:absolute;width:100%;height:102.85714%;left:0%;top:-1.42857%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-1.jpg\" alt=\"slide 1\" srcSet=\"https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-1.jpg 1400w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-1-1200x2194.jpg 1200w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-1-1120x2048.jpg 1120w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-1-840x1536.jpg 840w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-1-768x1404.jpg 768w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-1-560x1024.jpg 560w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-1-328x600.jpg 328w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-1-150x274.jpg 150w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:5.58252%;top:62.94498%;width:88.83495%;height:19.90291%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.546448087431694% 0.546448087431694% 0.546448087431694% 0.546448087431694% \/ 1.6260162601626018% 1.6260162601626018% 1.6260162601626018% 1.6260162601626018%;background-clip:content-box;background-color:#fee27e\" id=\"el-d9632bdd-b7bc-4573-bd7c-9be0cb2a7e1a\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.043715846994535554% 0;font-family:&quot;Fira Sans&quot;,sans-serif;font-size:0.517799em;line-height:1.19;text-align:left;padding:1.092896174863388% 2.185792349726776%;color:#000000\"><span>Understanding and improving your credit score<\/span><\/h2>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:4.85437%;top:-3.72168%;width:9.70874%;height:7.44337%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-8895e355-1ada-411a-b83a-dda2602cf199\">\n<div style=\"position:absolute;width:100.94448%;height:100%;left:-0.47224%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/01\/white-logo.png\" alt=\"white logo\" srcSet=\"https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/01\/white-logo.png 158w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/01\/white-logo-150x171.png 150w\" sizes=\"(min-width: 1024px) 4vh, 10vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"8709a70e-bbee-4c4a-9a8b-95a824368908\" auto-advance-after=\"7s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#14161b\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-4f62ba1d-d8d5-45ca-a237-8ecd264fe1eb\">\n<div style=\"position:absolute;width:100%;height:102.85714%;left:0%;top:-1.42857%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-2.jpg\" alt=\"slide 2\" srcSet=\"https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-2.jpg 1400w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-2-1200x2194.jpg 1200w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-2-1120x2048.jpg 1120w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-2-840x1536.jpg 840w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-2-768x1404.jpg 768w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-2-560x1024.jpg 560w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-2-328x600.jpg 328w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-2-150x274.jpg 150w\" sizes=\"(min-width: 1024px) 46vh, 102vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:-3.15534%;top:44.01294%;width:106.31068%;height:70.22654%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:4.5662100456621% 4.5662100456621% 4.5662100456621% 4.5662100456621% \/ 4.6082949308755765% 4.6082949308755765% 4.6082949308755765% 4.6082949308755765%\" class=\"mask\" id=\"el-eb009d3b-e4c5-4cfe-bfde-1c6b36e15cdf\">\n<div class=\"fill\" style=\"background-image:linear-gradient(0.5turn, rgba(10,10,10,0) 2%, #0a0a0a 100%);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:4.85437%;top:58.73786%;width:88.1068%;height:14.40129%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.5509641873278237% 0.5509641873278237% 0.5509641873278237% 0.5509641873278237% \/ 2.247191011235955% 2.247191011235955% 2.247191011235955% 2.247191011235955%;background-clip:content-box;background-color:#fee27e\" id=\"el-a2eea65c-5b91-47a5-8b7f-5cb62ffffe1c\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.0468319559228645% 0;font-family:&quot;Fira Sans&quot;,sans-serif;font-size:0.550162em;line-height:1.19;text-align:left;padding:1.1019283746556474% 2.203856749311295%;color:#000000\"><span>1. What is a credit score?<\/span><\/h2>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:4.85437%;top:76.05178%;width:87.86408%;height:22.3301%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.5524861878453038% 0.5524861878453038% 0.5524861878453038% 0.5524861878453038% \/ 1.4492753623188406% 1.4492753623188406% 1.4492753623188406% 1.4492753623188406%\" id=\"el-c410ea80-867c-4eeb-b48f-fb213342c7a0\">\n<h3 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0% 0;font-family:&quot;Fira Sans&quot;,sans-serif;font-size:0.372168em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span><span style=\"color: #eee\">A credit score is a number that shows how likely you are to repay loans. In India, scores usually range from 300 to 900, the higher, the better.<\/span><\/span><\/h3>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:4.85437%;top:-3.72168%;width:9.70874%;height:7.44337%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-0c7bd4a8-12d4-4cce-ac2a-dfc97bcb8cbd\">\n<div style=\"position:absolute;width:100.94448%;height:100%;left:-0.47224%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/01\/white-logo.png\" alt=\"white logo\" srcSet=\"https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/01\/white-logo.png 158w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/01\/white-logo-150x171.png 150w\" sizes=\"(min-width: 1024px) 4vh, 10vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"232b84d1-35a2-4090-82f0-5ce6d9e759ab\" auto-advance-after=\"7s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#121a1e\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-a3eeef0a-b722-4e94-a59e-e0a49841b425\">\n<div style=\"position:absolute;width:100%;height:102.85714%;left:0%;top:-1.42857%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-3-1.jpg\" alt=\"slide 3\" srcSet=\"https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-3-1.jpg 1400w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-3-1-1200x2194.jpg 1200w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-3-1-1120x2048.jpg 1120w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-3-1-840x1536.jpg 840w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-3-1-768x1404.jpg 768w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-3-1-560x1024.jpg 560w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-3-1-328x600.jpg 328w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-3-1-150x274.jpg 150w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:4.61165%;top:58.73786%;width:90.53398%;height:14.07767%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.5361930294906166% 0.5361930294906166% 0.5361930294906166% 0.5361930294906166% \/ 2.2988505747126435% 2.2988505747126435% 2.2988505747126435% 2.2988505747126435%;background-clip:content-box;background-color:#fee27e\" id=\"el-65c80173-a34b-4157-a47a-b1f31481148c\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.044235924932976595% 0;font-family:&quot;Fira Sans&quot;,sans-serif;font-size:0.533981em;line-height:1.19;text-align:left;padding:1.0723860589812333% 2.1447721179624666%;color:#000000\"><span>2. Why does your credit score matter?<\/span><\/h2>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:4.61165%;top:75.72816%;width:90.53398%;height:24.11003%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.5361930294906166% 0.5361930294906166% 0.5361930294906166% 0.5361930294906166% \/ 1.342281879194631% 1.342281879194631% 1.342281879194631% 1.342281879194631%\" id=\"el-4d2ed2f8-0f67-4531-8bdf-45697a04e292\">\n<h3 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0% 0;font-family:&quot;Fira Sans&quot;,sans-serif;font-size:0.388350em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span><span style=\"color: #eee\">A good credit score makes it easier to get loans, credit cards, and even better interest rates. Lenders use it to decide if you are trustworthy with credit.<\/span><\/span><\/h3>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:4.85437%;top:-3.72168%;width:9.70874%;height:7.44337%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-615a2bfc-aa2b-492d-b3df-5ed2c0a63694\">\n<div style=\"position:absolute;width:100.94448%;height:100%;left:-0.47224%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/01\/white-logo.png\" alt=\"white logo\" srcSet=\"https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/01\/white-logo.png 158w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/01\/white-logo-150x171.png 150w\" sizes=\"(min-width: 1024px) 4vh, 10vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"bdc909e1-a3ba-49e3-bb0b-b9776c0001e9\" auto-advance-after=\"7s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#1a191a\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-544b6356-7207-48bc-b3c3-21d3064f3c00\">\n<div style=\"position:absolute;width:100%;height:102.85714%;left:0%;top:-1.42857%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-4.jpg\" alt=\"slide 4\" srcSet=\"https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-4.jpg 1400w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-4-1200x2194.jpg 1200w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-4-1120x2048.jpg 1120w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-4-840x1536.jpg 840w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-4-768x1404.jpg 768w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-4-560x1024.jpg 560w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-4-328x600.jpg 328w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-4-150x274.jpg 150w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:-3.15534%;top:44.33657%;width:106.31068%;height:70.22654%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:4.5662100456621% 4.5662100456621% 4.5662100456621% 4.5662100456621% \/ 4.6082949308755765% 4.6082949308755765% 4.6082949308755765% 4.6082949308755765%\" class=\"mask\" id=\"el-dc481eb5-e161-484f-8fce-a43dd8f97e2b\">\n<div class=\"fill\" style=\"background-image:linear-gradient(0.5turn, rgba(10,10,10,0) 2%, #0a0a0a 100%);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:4.85437%;top:74.91909%;width:89.80583%;height:27.83172%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.5405405405405406% 0.5405405405405406% 0.5405405405405406% 0.5405405405405406% \/ 1.1627906976744187% 1.1627906976744187% 1.1627906976744187% 1.1627906976744187%\" id=\"el-ba64c509-21c5-4bdc-8194-1927fbd2e8f4\">\n<h3 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0% 0;font-family:&quot;Fira Sans&quot;,sans-serif;font-size:0.388350em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span><span style=\"color: #eee\">Your score depends on payment history, how much credit you use, length of credit history, types of credit, and recent credit activity. Paying late or maxing out cards can lower your score.<\/span><\/span><\/h3>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:4.85437%;top:58.73786%;width:88.1068%;height:14.07767%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.5509641873278237% 0.5509641873278237% 0.5509641873278237% 0.5509641873278237% \/ 2.2988505747126435% 2.2988505747126435% 2.2988505747126435% 2.2988505747126435%;background-clip:content-box;background-color:#fee27e\" id=\"el-9f00ce79-c014-406f-868a-5f317c0ed5c5\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.0454545454545462% 0;font-family:&quot;Fira Sans&quot;,sans-serif;font-size:0.533981em;line-height:1.19;text-align:left;padding:1.1019283746556474% 2.203856749311295%;color:#000000\"><span>3. What factors affect your credit score?<\/span><\/h2>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:4.85437%;top:-3.72168%;width:9.70874%;height:7.44337%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-dd3df04d-a563-46bf-b0b8-a8037afa093e\">\n<div style=\"position:absolute;width:100.94448%;height:100%;left:-0.47224%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/01\/white-logo.png\" alt=\"white logo\" srcSet=\"https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/01\/white-logo.png 158w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/01\/white-logo-150x171.png 150w\" sizes=\"(min-width: 1024px) 4vh, 10vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"e2333e97-4495-4c82-bbfa-5ea566a6fd51\" auto-advance-after=\"7s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#1c1a1a\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-1cef2337-e170-4d68-83e7-86401aa68f34\">\n<div style=\"position:absolute;width:100%;height:102.85714%;left:0%;top:-2.85714%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-5.jpg\" alt=\"slide 5\" srcSet=\"https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-5.jpg 1400w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-5-1200x2194.jpg 1200w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-5-1120x2048.jpg 1120w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-5-840x1536.jpg 840w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-5-768x1404.jpg 768w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-5-560x1024.jpg 560w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-5-328x600.jpg 328w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-5-150x274.jpg 150w\" sizes=\"(min-width: 1024px) 47vh, 105vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:-6.31068%;top:41.10032%;width:106.31068%;height:70.22654%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:4.5662100456621% 4.5662100456621% 4.5662100456621% 4.5662100456621% \/ 4.6082949308755765% 4.6082949308755765% 4.6082949308755765% 4.6082949308755765%\" class=\"mask\" id=\"el-222be5a8-f7de-41fd-a704-cfbf3f57d9d1\">\n<div class=\"fill\" style=\"background-image:linear-gradient(0.5turn, rgba(10,10,10,0) 2%, #0a0a0a 100%);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:5.09709%;top:58.73786%;width:88.1068%;height:14.07767%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.5509641873278237% 0.5509641873278237% 0.5509641873278237% 0.5509641873278237% \/ 2.2988505747126435% 2.2988505747126435% 2.2988505747126435% 2.2988505747126435%;background-clip:content-box;background-color:#fee27e\" id=\"el-517fdc40-6e58-4ab2-9ed0-5c31c181ff9f\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.0454545454545462% 0;font-family:&quot;Fira Sans&quot;,sans-serif;font-size:0.533981em;line-height:1.19;text-align:left;padding:1.1019283746556474% 2.203856749311295%;color:#000000\"><span>4. How to check your credit score<\/span><\/h2>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:4.85437%;top:73.94822%;width:89.80583%;height:23.30097%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.5405405405405406% 0.5405405405405406% 0.5405405405405406% 0.5405405405405406% \/ 1.3888888888888888% 1.3888888888888888% 1.3888888888888888% 1.3888888888888888%\" id=\"el-da604f7c-55f3-413e-a51d-374097a8bdc2\">\n<h3 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0% 0;font-family:&quot;Fira Sans&quot;,sans-serif;font-size:0.388350em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span><span style=\"color: #eee\">You can check your credit score for free on credit bureaus like CIBIL, Experian, or CRIF. Always review your report for errors or suspicious activity.<\/span><\/span><\/h3>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:4.85437%;top:-3.72168%;width:9.70874%;height:7.44337%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-45add393-f6d2-4ca9-ace1-b3cbf4a21211\">\n<div style=\"position:absolute;width:100.94448%;height:100%;left:-0.47224%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/01\/white-logo.png\" alt=\"white logo\" srcSet=\"https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/01\/white-logo.png 158w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/01\/white-logo-150x171.png 150w\" sizes=\"(min-width: 1024px) 4vh, 10vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"dd0be31d-2aef-4d20-a493-1731f33ae7ba\" auto-advance-after=\"7s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#15171b\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-bf1ca9bb-8faa-45a5-afd5-84742767f198\">\n<div style=\"position:absolute;width:100%;height:102.85714%;left:0%;top:-1.42857%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-6-1.jpg\" alt=\"slide 6 (1)\" srcSet=\"https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-6-1.jpg 1400w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-6-1-1200x2194.jpg 1200w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-6-1-1120x2048.jpg 1120w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-6-1-840x1536.jpg 840w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-6-1-768x1404.jpg 768w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-6-1-560x1024.jpg 560w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-6-1-328x600.jpg 328w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-6-1-150x274.jpg 150w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:-3.15534%;top:44.01294%;width:106.31068%;height:70.22654%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:4.5662100456621% 4.5662100456621% 4.5662100456621% 4.5662100456621% \/ 4.6082949308755765% 4.6082949308755765% 4.6082949308755765% 4.6082949308755765%\" class=\"mask\" id=\"el-ca9b08d3-b17e-47aa-899e-07644c3b486c\">\n<div class=\"fill\" style=\"background-image:linear-gradient(0.5turn, rgba(10,10,10,0) 2%, #0a0a0a 100%);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:4.85437%;top:58.73786%;width:88.1068%;height:20.38835%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.5509641873278237% 0.5509641873278237% 0.5509641873278237% 0.5509641873278237% \/ 1.5873015873015872% 1.5873015873015872% 1.5873015873015872% 1.5873015873015872%;background-clip:content-box;background-color:#fee27e\" id=\"el-c20e8905-3edc-450d-af36-6d0a2d763dbd\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.0454545454545462% 0;font-family:&quot;Fira Sans&quot;,sans-serif;font-size:0.533981em;line-height:1.19;text-align:left;padding:1.1019283746556474% 2.203856749311295%;color:#000000\"><span>5. Simple ways to improve your credit score<\/span><\/h2>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:6.31068%;top:81.39159%;width:87.86408%;height:18.60841%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.5524861878453038% 0.5524861878453038% 0.5524861878453038% 0.5524861878453038% \/ 1.7391304347826086% 1.7391304347826086% 1.7391304347826086% 1.7391304347826086%\" id=\"el-ccfc2d81-44dd-48c7-a368-6d162be0eaa7\">\n<h3 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0% 0;font-family:&quot;Fira Sans&quot;,sans-serif;font-size:0.388350em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span><span style=\"color: #eee\">Pay all bills on time, be mindful about the credit utilisation, and avoid applying for too much credit at once.<\/span><\/span><\/h3>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:4.85437%;top:-3.72168%;width:9.70874%;height:7.44337%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-0bd1f942-a24b-4f7f-9655-cdd88d9ee0f4\">\n<div style=\"position:absolute;width:100.94448%;height:100%;left:-0.47224%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/01\/white-logo.png\" alt=\"white logo\" srcSet=\"https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/01\/white-logo.png 158w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/01\/white-logo-150x171.png 150w\" sizes=\"(min-width: 1024px) 4vh, 10vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"0e0b986e-49a7-410a-8666-d3601bcbff61\" auto-advance-after=\"7s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#201d1c\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-9e3f6130-5033-4f5c-98ac-2165ce6bfc72\">\n<div style=\"position:absolute;width:100%;height:102.85714%;left:0%;top:-1.42857%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-7-1.jpg\" alt=\"slide 7\" srcSet=\"https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-7-1.jpg 1400w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-7-1-1200x2194.jpg 1200w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-7-1-1120x2048.jpg 1120w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-7-1-840x1536.jpg 840w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-7-1-768x1404.jpg 768w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-7-1-560x1024.jpg 560w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-7-1-328x600.jpg 328w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-7-1-150x274.jpg 150w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:-3.15534%;top:44.01294%;width:106.31068%;height:70.22654%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:4.5662100456621% 4.5662100456621% 4.5662100456621% 4.5662100456621% \/ 4.6082949308755765% 4.6082949308755765% 4.6082949308755765% 4.6082949308755765%\" class=\"mask\" id=\"el-d29f99f0-0085-43b6-95f9-5f07811f0553\">\n<div class=\"fill\" style=\"background-image:linear-gradient(0.5turn, rgba(10,10,10,0) 2%, #0a0a0a 100%);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:4.85437%;top:58.73786%;width:89.07767%;height:14.07767%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.544959128065395% 0.544959128065395% 0.544959128065395% 0.544959128065395% \/ 2.2988505747126435% 2.2988505747126435% 2.2988505747126435% 2.2988505747126435%;background-clip:content-box;background-color:#fee27e\" id=\"el-10a049f8-d3cb-4d46-bba4-0c00769bc826\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.04495912806539583% 0;font-family:&quot;Fira Sans&quot;,sans-serif;font-size:0.533981em;line-height:1.19;text-align:left;padding:1.08991825613079% 2.17983651226158%;color:#000000\"><span>6. Mistakes that hurt your credit score<\/span><\/h2>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:4.85437%;top:75.08091%;width:89.07767%;height:23.30097%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.544959128065395% 0.544959128065395% 0.544959128065395% 0.544959128065395% \/ 1.3888888888888888% 1.3888888888888888% 1.3888888888888888% 1.3888888888888888%\" id=\"el-293a2cb6-d6ba-471f-ac09-2904cade53a3\">\n<h3 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0% 0;font-family:&quot;Fira Sans&quot;,sans-serif;font-size:0.388350em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span><span style=\"color: #eee\">Missing payments, using most of your credit limit, or closing old accounts can reduce your score. Always pay on time and never miss a due date.<\/span><\/span><\/h3>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:4.85437%;top:-3.72168%;width:9.70874%;height:7.44337%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-1b1baa03-d132-4091-9add-0ed1e804c195\">\n<div style=\"position:absolute;width:100.94448%;height:100%;left:-0.47224%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/01\/white-logo.png\" alt=\"white logo\" srcSet=\"https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/01\/white-logo.png 158w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/01\/white-logo-150x171.png 150w\" sizes=\"(min-width: 1024px) 4vh, 10vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"8050daf0-ed6c-4154-b53b-e6f9702e7388\" auto-advance-after=\"7s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#201c18\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-15294662-fd47-4341-bc8d-a1fb39bb5672\">\n<div style=\"position:absolute;width:100%;height:102.85714%;left:0%;top:-1.42857%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-8.jpg\" alt=\"slide 8\" srcSet=\"https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-8.jpg 1400w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-8-1200x2194.jpg 1200w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-8-1120x2048.jpg 1120w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-8-840x1536.jpg 840w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-8-768x1404.jpg 768w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-8-560x1024.jpg 560w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-8-328x600.jpg 328w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/slide-8-150x274.jpg 150w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:-3.15534%;top:44.01294%;width:106.31068%;height:70.22654%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:4.5662100456621% 4.5662100456621% 4.5662100456621% 4.5662100456621% \/ 4.6082949308755765% 4.6082949308755765% 4.6082949308755765% 4.6082949308755765%\" class=\"mask\" id=\"el-4151441f-542c-4c38-bf89-8147ae29b54f\">\n<div class=\"fill\" style=\"background-image:linear-gradient(0.5turn, rgba(10,10,10,0) 2%, #0a0a0a 100%);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:4.85437%;top:58.73786%;width:89.07767%;height:14.07767%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.544959128065395% 0.544959128065395% 0.544959128065395% 0.544959128065395% \/ 2.2988505747126435% 2.2988505747126435% 2.2988505747126435% 2.2988505747126435%;background-clip:content-box;background-color:#fee27e\" id=\"el-c47c9cdd-933a-4694-86e6-491ea587ab4f\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.04495912806539583% 0;font-family:&quot;Fira Sans&quot;,sans-serif;font-size:0.533981em;line-height:1.19;text-align:left;padding:1.08991825613079% 2.17983651226158%;color:#000000\"><span>7. Getting help from an advisor<\/span><\/h2>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:5.09709%;top:75.08091%;width:87.86408%;height:23.30097%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.5524861878453038% 0.5524861878453038% 0.5524861878453038% 0.5524861878453038% \/ 1.3888888888888888% 1.3888888888888888% 1.3888888888888888% 1.3888888888888888%\" id=\"el-d3f04c12-fddb-44c7-aacf-30bf40f8a953\">\n<h3 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0% 0;font-family:&quot;Fira Sans&quot;,sans-serif;font-size:0.388350em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span><span style=\"color: #eee\">If used efficiently, credit cards unlock a lot of benefits. Speak to an advisor who can help you with choosing the right credit card based on your needs.<\/span><\/span><\/h3>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:4.85437%;top:-3.72168%;width:9.70874%;height:7.44337%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-29a441ab-1712-4084-9221-a5f9526375ac\">\n<div style=\"position:absolute;width:100.94448%;height:100%;left:-0.47224%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/01\/white-logo.png\" alt=\"white logo\" srcSet=\"https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/01\/white-logo.png 158w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/01\/white-logo-150x171.png 150w\" sizes=\"(min-width: 1024px) 4vh, 10vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"24bc2b9e-a997-4bbd-9e62-b3af03196a73\" auto-advance-after=\"7s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#fff\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-2398e907-eb36-4ea0-b395-bdb3a5fa2f1f\">\n<div class=\"fill\" style=\"will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:30.82524%;top:35.27508%;width:38.34951%;height:29.44984%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-734b4f8f-faa4-4ca4-b9e0-9e51c9369c36\">\n<div style=\"position:absolute;width:100.92695%;height:100%;left:-0.46348%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/04\/1-Finance-Logo_Final-3.png\" alt=\"1-Finance-Logo_Final\" srcSet=\"https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/04\/1-Finance-Logo_Final-3.png 2880w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/04\/1-Finance-Logo_Final-3-1980x2260.png 1980w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/04\/1-Finance-Logo_Final-3-1794x2048.png 1794w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/04\/1-Finance-Logo_Final-3-1346x1536.png 1346w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/04\/1-Finance-Logo_Final-3-1200x1370.png 1200w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/04\/1-Finance-Logo_Final-3-897x1024.png 897w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/04\/1-Finance-Logo_Final-3-768x877.png 768w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/04\/1-Finance-Logo_Final-3-526x600.png 526w,https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/04\/1-Finance-Logo_Final-3-150x171.png 150w\" sizes=\"(min-width: 1024px) 17vh, 38vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-page-outlink layout=\"nodisplay\" cta-image=\"https:\/\/1finance.co.in\/1f-dashboard\/wp-content\/uploads\/2025\/07\/cropped-Untitled-design.png\" theme=\"light\"><a href=\"https:\/\/1finance.co.in\/\" rel=\"\">Learn more<\/a><\/amp-story-page-outlink><\/amp-story-page><\/amp-story><\/body><\/html><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Learn how your credit score affects your financial health and discover simple steps to improve it. Boosting your score can lead to better loan rates and financial opportunities.<\/p>\n","protected":false},"author":31,"featured_media":6058,"template":"","meta":{"_acf_changed":false,"web_stories_products":[],"web_stories_publisher_logo":4779,"web_stories_poster":[]},"web_story_category":[384],"web_story_tag":[393],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Web-Stories<\/title>\n<meta name=\"description\" content=\"Web-Stories\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/1finance.co.in\/web-stories\/understanding-and-improving-your-credit-score\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Web-Stories\" \/>\n<meta property=\"og:description\" content=\"Web-Stories\" \/>\n<meta property=\"og:url\" content=\"https:\/\/1finance.co.in\/web-stories\/understanding-and-improving-your-credit-score\/\" \/>\n<meta property=\"og:site_name\" content=\"Blogs\" \/>\n<meta property=\"article:modified_time\" content=\"2025-07-14T05:30:01+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/imaages-hosting-1fin.s3.ap-south-1.amazonaws.com\/assets\/ogimage\/WebStories.png\" \/>\n\t<meta property=\"og:image:width\" content=\"640\" \/>\n\t<meta property=\"og:image:height\" content=\"853\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@1FinanceHQ\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/1finance.co.in\/blog\/web-stories\/understanding-and-improving-your-credit-score\/\",\"url\":\"https:\/\/1finance.co.in\/blog\/web-stories\/understanding-and-improving-your-credit-score\/\",\"name\":\"Web-Stories\",\"isPartOf\":{\"@id\":\"https:\/\/1finance.co.in\/blog\/#website\"},\"datePublished\":\"2025-07-11T11:59:34+00:00\",\"dateModified\":\"2025-07-14T05:30:01+00:00\",\"description\":\"Web-Stories\",\"breadcrumb\":{\"@id\":\"https:\/\/1finance.co.in\/web-stories\/understanding-and-improving-your-credit-score\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/1finance.co.in\/web-stories\/understanding-and-improving-your-credit-score\/\"]}],\"primaryImageOfPage\":{\"@id\":\"\"},\"image\":{\"@id\":\"\"}},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/1finance.co.in\/web-stories\/understanding-and-improving-your-credit-score\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/1finance.co.in\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Stories\",\"item\":\"https:\/\/1finance.co.in\/web-stories\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Understanding and improving your credit score\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/1finance.co.in\/#website\",\"url\":\"https:\/\/1finance.co.in\/\",\"name\":\"1 Finance\",\"description\":\"Our single focus, to get you to re-imagine your Personal Finance What does this mean ? 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