New Delhi, Nov. 18 -- A credit score of 657 sits in the moderate-risk category. It is neither poor nor strong enough to unlock the best loan and credit card terms. However, with focused financial discipline, borrowers can steadily elevate their score into the 'good' range of 700 and above.

Rishabh Goel, Founder and CEO, Credgenics, explains the situation: "A credit score of 657 indicates moderate risk but warrants disciplined corrective action to improve. Prioritising on-time repayments, keeping the utilisation ratio below 30%, rectifying discrepancies, and limiting new credit applications are key. By maintaining financial discipline, you can accelerate score progress and build long-term creditworthiness."

A score in this band often res...