New Delhi, Aug. 20 -- Credit rating is often viewed as a perplexing, shifting figure governed by hidden rules. However, the reality is far more straightforward. This metric acts as a financial report card, summarising your lifelong relationship with borrowed money.

According to major bureaus like CIBIL, this assessment relies heavily on four pillars: your track record of repaying debts, the proportion of available funds you currently use, the longevity of your active accounts, and the frequency of your recent loan applications.

Building a good credit score does not require intricate maneuvers or borrowing money just for the sake of boosting numbers. Instead, establishing a few reliable routines will yield far better results than obsessi...