New Delhi, July 4 -- A credit score is like a financial report card. It is a three-digit number issued by leading credit bureaus in the country. This is a number that can improve your chances of securing personal loans, home loans, credit cards, and other forms of debt at lower interest rates and flexible terms.

A high credit score can also strengthen your credit profile and boost your creditworthiness. Now, it is a given that moving from a credit score of 600 to 750 may seem a little challenging; still, experts suggest it is achievable through dedicated financial management and disciplined credit habits. There are no shortcuts to achieving such progress.

Subhankar Mishra, Interim MD for Equifax Credit Information, explained this concep...