What -1 and NH mean
- NH / -1: no credit history, or not enough to calculate a score.
- 300–900: a real score, calculated from your credit activity.
Why it matters
Many banks reject applications with no score, because they can't judge risk. That's why students are often refused regular cards and loans.
How to get your first score
- Get a credit product in your name. A student FD credit card needs no history.
- Use it lightly every month.
- Pay the full bill on time.
- Check your report after a few months.
No score vs low score
| No score (-1 / NH) | Low score (below 650) | |
|---|---|---|
| Meaning | No history | History with problems |
| Fix | Start using credit | Clear dues, rebuild with on-time payments |
| Time | A few months to a first score | Months to over a year |
Next step
Frequently asked questions
Is a CIBIL score of -1 bad?
No. It means there isn't enough history to calculate a score.
What is the difference between NH and NA?
Both mean there isn't enough credit information to calculate a score.
How do I get rid of -1?
Start using a credit product, such as a secured card, and pay on time. A score appears after a few months.
Keep reading
Build CIBIL as a StudentYour step-by-step plan from zero to 750How to Build a CIBIL Score as a Student (Step by Step)Six steps to go from no score to a strong one while you study.How Long Does It Take to Get a CIBIL Score?When your first score appears, and how to speed it up.Credit Card at 18 in India: What You NeedAge, documents and the easiest first card at 18.