How does TransUnion calculate a credit score?

TransUnion CIBIL calculates your credit score by analyzing five key factors from your credit report: payment history, credit utilization, credit duration, credit mix, and recent inquiries. Payment history has the highest impact, reflecting your consistency in repaying loans and credit card bills. Credit utilization measures how much of your limit you use, while credit duration looks at the age of your accounts. A healthy mix of secured and unsecured loans and avoiding frequent hard inquiries also helps maintain a high score.