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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
A credit score is a shortcut: it summarises years of repayments in one number. When the shortcut is missing, the lender has to answer the same question, “will this person repay?”, the long way round.
Many lenders with a minimum score stop at the lower branch unless there is a co-applicant or security. Policies differ by lender.
| Option | How it helps | Watch for |
|---|---|---|
| Apply with a co-applicant | A spouse or parent with an established report gives the lender a track record to assess | The loan and every EMI show on their report too. How that works |
| Borrow against gold or a fixed deposit | The security reduces the lender’s risk, so a score matters less | Missing payments can mean losing the security |
| Start with a secured credit card | Builds your own history in about six months. Secured cards explained | Keep the balance well under 30% of the limit |
| Wait and build | Once a score appears, you can apply in your own name at better terms | Needs time, so plan ahead of the need |
| Small app loans | Quick to get | Often costly, easy to stack, and one late repayment starts your file badly. Do they build credit? |
Not every missing score is the same, and the fix differs. NH or -1 means the bureau has no credit account in your name at all. NA or 0 means you have an account, but too little recent history to score yet. Both are neutral: neither is a bad mark. But if you have borrowed before and still see NH, the bureau may not be matching your loans to you, perhaps because of a name, date-of-birth or PAN mismatch. That is an error worth raising, because fixing it can turn up a real score straight away. Read what NH and -1 mean for the detail.
Applying also leaves a trace: the lender’s check is usually recorded as an enquiry on your file, even when there is no score yet. Apply where you clearly fit rather than trying many lenders to see who says yes.
Our published criteria are a credit score from 600 and a take-home of ₹40,000 or more for salaried applicants, with two documents: six months of salary-account statements and your latest salary slip. A file with no score usually needs a few months of history first, or a co-applicant with an established record. Co-applicants can be a spouse, family member or even a friend, and a credit officer reads the full reports rather than relying on a cut-off alone. If you are starting from scratch, our guide to building a score with no history sets out the first year.
A co-applicant with an established record can make the difference. Once your own score reaches 600, you can apply in your own name.
Some lenders consider it with strong income or a co-applicant, but many lenders that need a minimum score won’t approve you on your own. Omozing’s criteria start from a score of 600, and co-applicants are welcome.
No. No score means no history, not bad history. A low score means the report shows problems, which lenders treat more cautiously.
Usually, yes. The lender’s check is recorded as an enquiry on your file, so apply only where you clearly meet the criteria.
Usually about six months after your first credit account starts being reported. Until then you may see NA or 0.
Be careful. Regulated lenders check your credit and income. A promise of no checks, or a request for a fee before disbursal, is a common sign of a scam.
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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.