New Delhi, May 30 -- If you wish to avail a fresh personal loan, home loan, car loan, credit card or any other form of debt, you must have a healthy credit profile and a reputable credit score. If you can maintain a neat record of repaying earlier debts on time, this can be a huge positive that helps you avail fresh credit easily.

This is because, to put it simply, lending institutions want to see a 'history' of your credit performance. How responsible have you been in meeting your past pending debt obligations? Have you cleared all loans without delays or defaults?

These are several critical questions that lenders research and analyse before approving your loan or credit card applications. This they do keep themselves safe.

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