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A credit score is a representation of your ability to repay credit. It is a 3 digit number in the range of 300 to 900. Majority of lenders like banks and NBFCs prefer a score of 750+ to give you better deals on credit cards and loans . Here are 4 most important factors to maintain healthy credit score. 1) Paying of EMIs & credit card bills on time is most critical part. 2) Credit card utilisation percentage, above 80% puts you in high risk zone. 3) Longer credit history improves the score. 4) Multiple loan applications reduces your credit rating.