Don't be alarmed if you see the letters 'NA' or 'NH' next to your credit score. It is not at all a bad thing. These denote one of the following:

  • You do not have a credit history or do not have enough credit information to be scored, indicating that you are new to the credit system
  • You haven't had any credit transaction over the last few years
  • You have no credit risk and you have no add-on credit cards

Although these scores are not regarded negatively by lenders, some lenders' credit policies discourage them from granting loans to borrowers with Scores of "NA" or "NH". As a result, you might have better luck applying for a loan elsewhere.

With regards to the CIBIL™ score, the number -1 (NH) indicates that there is No History (NH) or credit track record available for the borrower.

A credit score of 0 (NA) on a CIBIL™ credit report indicates that credit history is not available (NA). This score means that the borrower's usable credit history is less than 6 months old. 

How can such individuals get a loan or credit card?

Borrowers with such credit history can go for secured loans or secured credit cards. This type of credit is offered against security that is deposited with the bank, like FDs or security bond