It means you have been late in paying credit card bills or EMIs for loans. You might want to consider taking credit, as it will help you in building a credit history and get access to credit products.ģ50 – 549: A CIBIL score in this range is considered as a bad CIBIL score. If you have not used a credit card or have never taken a loan, you will have no credit history. NA/NH: If you have no credit history, your CIBIL score will be NA/NH which means it is either “not applicable” or no history”. Here are the different ranges of a CIBIL score. Generally, individuals with a CIBIL score of 750 and above are considered as responsible borrowers. A CIBIL score ranges from 300 – 900, 900 being the highest.
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