Economics · Banking and Finance
Which factor is most critical when determining the Credit Score (such as CIBIL score) of an individual, significantly affecting their personal finance options?
Verified Solution4 OptionsUpdated: October 2026👁️1 View
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- 1The frequency of checking one's own credit score through online portals
- 2The total value of physical assets and gold ornaments held by the individual
- 3The repayment history and consistency in paying EMIs and credit card bills✓
- 4The total number of active credit cards owned by the individual
Correct answer
The repayment history and consistency in paying EMIs and credit card bills
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