New Delhi, June 18 -- When you plan a foreign tour or aim to move abroad, your overall strength of character, financial health and criminal record (if any) are checked with intense precision. This data is collected and reflected in your visa documents, helping facilitate the proper completion of the visa clearance process.

In such processes, your basic financial profile, repayment behaviour and any pending loans or recent defaults can also play a vital role. This brings your credit score into play. A credit score does not directly determine visa approvals, but it can reflect your financial integrity, creditworthiness and repayment history. It can shed light on your financial habits and how committed you are to repaying your debts.

To pu...