What does a 0 credit score mean?

A credit score of 0 typically indicates a lack of sufficient credit history rather than a poor repayment record. In India, credit bureaus like CIBIL, Experian, or Equifax may display a score of 0 or -1 (NH) if you have never taken a loan or used a credit card. It means you are credit invisible because there is no data for the bureau to calculate a score. To build a score, you can start by using a small loan or a credit card and ensuring timely repayments.