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A credit score is a 3 digit number that represents the evaluation made on a person's capability to repay loan amounts and other debts. Credit bureaus like CIBIL™ , Experian, Equifax, CRIF HighMark provide credit scores that are calculated based on their credit history. Having a good credit score is a must as banks and NBFCs provide you loans or any other form of credit based on your credit score. Lenders like ICICI Bank may use any one or more of the bureau scores to approve or reject your car loan.

Your credit score is dependent on factors like your past payment patterns, whether you have unresolved negative issues or credit card defaults. Having a good credit score above 750 indicates that you don’t have any such defaults. If you want to avail a car loan at ICICI Bank you would require a minimum 750 credit score. Having an ideal credit score before applying for an ICICI Bank car loan is always safe.

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