Weightage of various Repayment Aspects to Your Credit
                     Weightage of various Repayment 
Aspects to Your Credit 
A credit score (numeric summary derived from 
one’s repayment history) summarizes the historical 
credit information on a credit report by assigning 
a number to it. There are specific components from 
one’s credit report that shape/ determine their 
credit score.
Payment History (35%)
Your payment history alone makes around 35% of 
the entire credit score. No got to say, it's extremely 
important to be according to the payment of your 
bills. Otherwise in addition to paying fine for late 
payments, you'll also find yourself ruining your 
credit history.
Total credit (30%): 
No matter the amount you owe is 
little or big, you must try to get 
obviate it because it comprises 
around 30% of the credit score. 
Minimization of outstanding debt 
helps improve one’s credit score.
Length of credit history 
(15%)
• The length of your credit 
history makes up almost 15% 
of the entire credit score. Also, 
the amount one has been using 
one’s credit has a crucial 
bearing to the score.
Demographics (10%): 
• Things like your age, location of your 
residence and therefore the number of IDs 
(such as PAN card, voter ID, etc) you own 
also help determine your credit score. This 
comprises nearly 10% of one’s credit score.
• It is, however, important to notice that 
while a number of these factors could also 
be weighed more heavily than others, no 
factor works independently of the others. 
In India, the credit score typically ranges 
between 300 and 900. While the 
Experian credit score itself may differ 
across the bureaus, typically an honest 
credit score would be above 700.
Clix Capital Services Pvt. Ltd.
Address: 
901b, 9th Floor, Two Horizon Centre, DLF Phase V
Gurgaon, Haryana, India – 122002
Phone Number: 1800 200 9898
Website: https://www.clix.capital/check-credit-score/