To suit your needs, Credit Information Bureau (Cibil) credit information report (CIR), other than your income, is the only most important tool employed by a lender to evaluate your application for almost any loan or credit card application. The credit score is a numerical value that indicates your creditworthiness. To build a strong financial future, it is important to understand your own. The natural way, it’s important that you comprehend your cibil report. To attain well in your financial journey, it is necessary to determine your credit score. This will constitute a value between 300 (lowest) to 900 (highest). If the rating is low, then it can be increased by varying your credit practices for the better.