A credit score is a numerical representation of your creditworthiness, typically ranging from 300 to 900. It reflects your financial behavior, including how well you manage loans, credit cards, and other forms of credit. Lenders use your credit score to assess the risk of lending to you.

A good credit score can help you get better loan offers, lower interest rates, and higher credit limits. It also improves your chances of getting approved for loans, credit cards, and other financial products.

No, checking your own credit score is considered a soft inquiry and does not affect your credit score. However, frequent hard inquiries, such as those made by lenders when you apply for credit, can have a negative impact.

You may not have a credit score if you’ve never used credit or haven’t had any credit activity reported to credit bureaus. A credit score is generated based on your credit history, so without any history, you won’t have a score.

Different platforms and credit bureaus may use different scoring models. If you have a CIBIL score, you may need to check it directly through the CIBIL website or a platform that provides access to it.

Yes, applying for new credit can lead to a hard inquiry on your credit report, which may cause a small drop in your credit score. Multiple hard inquiries in a short period can have a greater negative impact.

Your credit score is calculated based on several factors, including your payment history, credit utilization, length of credit history, types of credit used, and recent credit inquiries.

If you don't have a credit score, it's likely because you haven't used credit before, or there hasn't been enough credit activity reported to the credit bureaus to generate a score. You may need to build a credit history by using credit responsibly.