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A credit score is a 3 digit number that represents the evaluation made on a person's capability to repay loan amounts and other debts like credit card payments. Credit bureaus like CIBIl™, Experian, Equifax, CRIF Highmark provide credit scores that are calculated based on their credit history. Having a good credit score is a must as banks and NBFCs provide you the top credit cards or loans based on your credit score.
Having a credit score between 650-750 will get you home loans at low-interest rates and high loan amounts. For higher chances of approval, having a credit score of more than 750 is ideal. When you apply for a home loan, your lender will check your credit score before sanctioning your loan. Loan eligibility depends on both your repayment capacity and credit history. If you have an unresolved negative account, your credit score will remain low. So, before applying for a home loan, you would have to make sure that your negative accounts have been resolved.