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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
It helps to separate two things people often blur: the score, which the bureau calculates from your credit accounts, and the loan decision, which a lender makes using the score plus everything else it knows about you.
| Item | Part of your score? | Checked by a lender? |
|---|---|---|
| Who you work for | No | Yes, when you apply |
| Your salary | No | Yes, through slips, bank statements and FOIR |
| On-time EMIs and card payments | Yes, the biggest factor | Yes |
| A gap between jobs | Not directly | Often, through your bank statement |
| New loan and card applications | Yes, as hard enquiries | Yes |
Income matters a great deal to lenders, but not to the score itself. Does income affect my CIBIL score? explains the difference.
An illustrative timeline. Notice periods, joining dates and final settlements vary by employer; the point is that EMIs don’t pause for a job change.
EMIs and card bills keep their dates whatever your payroll does. If your last salary arrives at the start of one month and the new one only at the end of the next, one or two EMIs can fall due with nothing coming in. A payment that misses its due date can be reported as days past due (DPD), and that stays on your record. Work out the buffer in advance: with ₹12,000 of EMIs a month and two due dates in the gap, keep at least ₹24,000 aside, plus your card bill. Our page on what one missed EMI does shows why this is worth planning for.
Lenders look at how stable your income is. A move to a similar or better-paid role is usually read positively, but a very recent change means fewer pay slips from the new employer. If your salary moved to a new bank account recently, keep statements from both accounts handy so the full six months are covered. At Omozing, a credit officer reads your report and documents together rather than applying a single cut-off; see how much you can borrow on ₹40,000 a month.
Salaried with a take-home of ₹40,000 or more and a score from 600? Two documents, 3–36 months, rates from 11% a year.
Job-loss runway: See how many months your savings would last and which EMIs to protect first.
Your employer and salary are not used to calculate your score. Your report may show details lenders supplied when you applied, but changing jobs doesn’t change the score.
Not directly. It only falls if EMIs or card bills are paid late, so protecting those payments is what matters.
Not by itself. It helps if you use it to pay on time and bring card balances down, and it can help a loan application through a lower FOIR.
Often, yes, though lenders look closely at income stability and may want to see your recent salary credits. Keep statements from both salary accounts ready.
Not until every EMI mandate and card auto-pay has moved to your new account. Closing it early is a common cause of bounced EMIs.
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.