A Credit score is a three-digit number that reflects your creditworthiness based on your credit history. Typically, this score ranges from 300 to 900, with higher scores indicating better creditworthiness. A low CIBIL score, generally considered below 650, signals poor credit management or past financial difficulties. This can make it challenging to secure loans or credit cards and often results in higher interest rates or stricter terms if credit is granted. Low credit score business loans that is below a specific level and indicates a higher likelihood of defaulting on financial commitments is referred to as having a low CIBIL score. One of the top credit bureaus in India is CIBIL (Credit Information Bureau (India) Limited), which evaluates a person’s creditworthiness using their financial behavior and credit history.