Credit Score is a three digit number calculated from your credit report used by lenders to determine your creditworthiness for a mortgage, loan or credit card. a credit check is a search made in order to assess your credit history. It is searched by your name and all personal address details that have been provided in your application. Depending upon your history the CIBIL rates you between the score of 300 to 900. The higher your score the better chances you have for your loan to be approved. Your score can affect what interest rate you are charged. The loan request can be cancelled in case of a low credit. Here you can check your credit score at our shubhbank website.