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      Question

      What does a CIBIL score of -1

      indicate?
      A History of default Correct Answer Incorrect Answer
      B No credit history Correct Answer Incorrect Answer
      C Credit history of less than 6 months Correct Answer Incorrect Answer
      D No default but very high outstanding credit limits Correct Answer Incorrect Answer
      E None of the above Correct Answer Incorrect Answer

      Solution

      The CIBIL score is a three-digit numeric summary of an individual’s credit history, ranging from 300 to 900. A higher score reflects better creditworthiness. • Score -1: Means there is no credit history available for the individual — i.e., they have never taken a loan or used a credit card. • Score 0: Indicates there is some data, but the credit history is less than 6 months old, hence insufficient for scoring. • A higher positive score (closer to 900) improves chances of loan approvals, while a lower score may indicate defaults or poor repayment behavior. Thus, a CIBIL score of -1 = No credit history.

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