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Omozing Answers › Credit scores and bureaus
Written by the Omozing Credit Team · Reviewed for accuracy by our credit and compliance team · Updated October 2026
The NA / 0 stage usually covers a file with less than about six months of history. Exact rules and labels can vary slightly between the four bureaus.
| What you see | What it means | How lenders tend to read it |
|---|---|---|
| NH or -1 | No credit account on record | Unknown risk, not bad risk; often asked for more proof of income or offered smaller, first-time products |
| NA or 0 | Account exists, but too little recent history to score | Similar to NH; a few more months of on-time payments usually fixes it |
| A low score, such as 560 | History exists and shows problems | Higher risk; the report explains why |
The key difference: a low score is the result of what you did, while NH just reflects what you haven’t done yet. Many people with NH are young professionals, people who have always paid cash, or those who have only ever used a debit card.
You need at least one account that reports to the bureaus, and a few months of paying it on time. Common first steps:
For a fuller plan, see how to build a credit score with no history. Once your first score appears, our guide to what counts as a good score shows where you stand.
Our published criteria start from a credit score of 600, for salaried applicants with take-home of ₹40,000 or more. That means an NH file usually needs a few months of history first. A co-applicant with an established credit record, such as a spouse or family member, can also strengthen an application with most lenders.
Once your score is 600 or more, a credit officer reads your full report. Co-applicants are welcome.
No. -1 means there is no credit history to score. It is not a negative mark, though some lenders are cautious because they have nothing to go on.
NH means no credit history at all. NA means you have an account, but too little recent history to calculate a score yet.
Usually a few months after your first loan or card starts reporting. Paying on time from the first bill helps your first score start well.
Some lenders offer small first-time loans or accept a co-applicant with a credit record. Many unsecured lenders, including Omozing, need a scored history first.
Your accounts may not be matched to your file, often because of a name, date-of-birth or PAN mismatch. Get your full report and raise a dispute with the bureau.
Next questions people ask:
Omozing is the digital lending brand of Aparampaar Finance Private Limited, an RBI-registered non-deposit-taking NBFC. Loans are subject to credit assessment. See our regulatory disclosures and grievance redressal process.