New Delhi, Sept. 4 -- In August 2025, Paisabazaar released a report titled "How India Checks Credit Score". The report provides insights into India's most credit-healthy cities (Delhi and Pune), individuals with the highest credit score in the country (861), individuals with the longest credit history (23 years), etc. The 30-day survey attracted participation from 4.7 million individuals from 710 cities. The huge participation from so many cities in a short span of 30 days highlights the importance individuals place on their credit scores.

These days, most individuals consider the impact of any credit decision on their credit score, given its importance. One such decision is whether an individual must accept an increase in their credit c...