{"id":268210,"date":"2024-08-24T07:42:59","date_gmt":"2024-08-24T07:42:59","guid":{"rendered":"https:\/\/www.paymeindia.in\/blog\/?p=268210"},"modified":"2025-02-04T07:19:33","modified_gmt":"2025-02-04T07:19:33","slug":"cibil-credit-score-zero-negative-meaning","status":"publish","type":"post","link":"https:\/\/www.paymeindia.in\/blog\/cibil-credit-score-zero-negative-meaning\/","title":{"rendered":"CIBIL Credit Score Zero (0) or Negative (-1)? What Does It Mean?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">O<\/span><span style=\"font-weight: 400;\">ne\u2019s credit score is crucial for financial health in the financial world. CIBIL (Credit Information Bureau (India) Limited) is the main organisation in India. The range is between 300 to 900 which determines the credit score. A Healthy credit score can help in loan terms, while a lower score can limit financial opportunities. It is challenging for the lender to check the borrower&#8217;s creditworthiness if there is no payment history before because a 0 CIBIL score does not show the credit history. A negative score indicates a serious credit issue, it will impact to secure a loan. Zero or negative CIBIL scores are vital for managing and improving financial stability.<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 ez-toc-wrap-left counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.paymeindia.in\/blog\/cibil-credit-score-zero-negative-meaning\/#how-to-calculate-cibil-score\" >How to Calculate CIBIL Score?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.paymeindia.in\/blog\/cibil-credit-score-zero-negative-meaning\/#ranges-of-cibil-score\" >Ranges of CIBIL Score:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.paymeindia.in\/blog\/cibil-credit-score-zero-negative-meaning\/#what-does-it-mean-if-your-cibil-credit-score-is-zero\" >What Does It Mean if Your CIBIL Credit Score is Zero?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.paymeindia.in\/blog\/cibil-credit-score-zero-negative-meaning\/#what-does-a-cibil-score-of-minus-1-mean\" >What Does a CIBIL Score of Minus 1 Mean?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.paymeindia.in\/blog\/cibil-credit-score-zero-negative-meaning\/#difference-between-a-cibil-credit-score-of-zero-0-and-negative-1\" >Difference Between a CIBIL Credit Score of Zero (0) and Negative (-1)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.paymeindia.in\/blog\/cibil-credit-score-zero-negative-meaning\/#is-it-possible-to-get-credit-cards-and-loans-with-these-scores\" >Is It Possible to Get Credit Cards and Loans with These Scores?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.paymeindia.in\/blog\/cibil-credit-score-zero-negative-meaning\/#causes-of-a-credit-score-hitting-zero\" >Causes of a Credit Score Hitting Zero<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.paymeindia.in\/blog\/cibil-credit-score-zero-negative-meaning\/#common-reasons-for-a-zero-credit-score\" >Common Reasons for a Zero Credit Score<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.paymeindia.in\/blog\/cibil-credit-score-zero-negative-meaning\/#impact-of-inactivity-or-lack-of-credit-accounts\" >Impact of Inactivity or Lack of Credit Accounts<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.paymeindia.in\/blog\/cibil-credit-score-zero-negative-meaning\/#credit-score-improvement-strategies\" >Credit Score Improvement Strategies<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.paymeindia.in\/blog\/cibil-credit-score-zero-negative-meaning\/#conclusion\" >Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"how-to-calculate-cibil-score\"><\/span><span style=\"font-weight: 400;\">How to Calculate CIBIL Score?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">To determine the CIBIL Score, the Consumer CIBIL Bureau uses the FICO scoring model.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>FACTOR<\/b><\/td>\n<td><b>WEIGHTAGE<\/b><\/td>\n<td><b>EXPLANATION<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">History of payments<\/span><\/td>\n<td><span style=\"font-weight: 400;\">30%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Whether you pay your bills on time. Late payments can lower your score.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Exposure to Credit<\/span><\/td>\n<td><span style=\"font-weight: 400;\">25%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">How much of your available credit you are using? Using too much can hurt your score.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Type and duration of credit\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">25%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">The duration of credit history and the type of credit products in the profile<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Some Other factors (active loans, credit cards, and inquiries)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">20%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Active credit card, existing loans, and credit-related inquiries in the recent past<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"ranges-of-cibil-score\"><\/span><span style=\"font-weight: 400;\">Ranges of CIBIL Score:<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<tbody>\n<tr>\n<td><b>CIBIL score range<\/b><\/td>\n<td><b>Description<\/b><\/td>\n<\/tr>\n<tr>\n<td>\n<table>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">750 &#8211; 900<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<td><span style=\"font-weight: 400;\">Excellent: get loan approvals with the best terms.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">700 &#8211; 749<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Good:<\/span> <span style=\"font-weight: 400;\">Good chance of loan approval with favourable terms.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">650 &#8211; 699<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Fair:<\/span> <span style=\"font-weight: 400;\">May get loan approvals, but not at the best terms.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">600 &#8211; 649<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Poor:<\/span> <span style=\"font-weight: 400;\">Difficult to get loan approvals, Rate of interest is higher<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">300 &#8211; 599<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Very Poor: rejection chances are high, and very high interest rates if approved.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">NA or NH<\/span><\/td>\n<td><span style=\"font-weight: 400;\">No History: For the calculation, there is nil payment history\u00a0<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"what-does-it-mean-if-your-cibil-credit-score-is-zero\"><\/span><span style=\"font-weight: 400;\">What Does It Mean if Your CIBIL Credit Score is Zero?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">This usually happens when you have no credit score history this means ZERO CREDIT HISTORY. In the Absence of credit activity, there is no data for CIBIL to calculate a score. While having no debt might seem positive, but is difficult for lenders to assess the borrower&#8217;s creditworthiness. And is a task for the lender to forecast the credit behaviour of the borrowers. Lenders might begin by taking out a small loan or using a credit card sensibly to establish a credit history.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Also, check: <a href=\"https:\/\/www.paymeindia.in\/blog\/cibil-consultants-office-chennai\/\">CIBIL Consultants and Score Correction Offices in Chennai<\/a><\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"what-does-a-cibil-score-of-minus-1-mean\"><\/span><span style=\"font-weight: 400;\">What Does a CIBIL Score of Minus 1 Mean?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>No payment History:<\/b><span style=\"font-weight: 400;\"> Similar to an empty score, it indicates the absence of payment history.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Not Enough Information:<\/b><span style=\"font-weight: 400;\"> There isn\u2019t sufficient data to generate a credit score.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>No Recent Credit Activity: <\/b><span style=\"font-weight: 400;\">You may have had credit in the past, but there&#8217;s no recent activity.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Difficult for Lenders: <\/b><span style=\"font-weight: 400;\">Lenders cannot assess your creditworthiness, making it challenging to get credit.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Build Credit Activity:<\/b><span style=\"font-weight: 400;\"> Start using credit responsibly to create a track record for a proper score.<\/span><\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"difference-between-a-cibil-credit-score-of-zero-0-and-negative-1\"><\/span><span style=\"font-weight: 400;\">Difference Between a CIBIL Credit Score of Zero (0) and Negative (-1)<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<tbody>\n<tr>\n<td><b>BASIS<\/b><\/td>\n<td><b>CIBIL Credit Score of Zero (0)<\/b><\/td>\n<td><b>CIBIL Credit Score of Negative (-1)<\/b><\/td>\n<\/tr>\n<tr>\n<td><b>Credit History<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Absence of credit history at all.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">No sufficient recent credit information is available.<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Reason<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Never taken a loan or used a credit card.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Past credit activity exists but no recent transactions.<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Lender&#8217;s Perspective<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Cannot assess creditworthiness due to no history<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Cannot assess current creditworthiness due to lack of recent data.<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Challenge<\/b><\/td>\n<td><span style=\"font-weight: 400;\">It is difficult to get loans or credit cards.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">It isn&#8217;t easy to get loans or credit cards.<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Solution<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Start with a small loan or credit card to build history.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Start using credit responsibly to create a recent credit record.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"is-it-possible-to-get-credit-cards-and-loans-with-these-scores\"><\/span><span style=\"font-weight: 400;\">Is It Possible to Get Credit Cards and Loans with These Scores?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you have a zero or negative CIBIL score. It is going to be difficult to get loans or credit cards but not impossible.<\/span><\/p>\n<p><b>Challenges are:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Zero CIBIL Score<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Negative CIBIL Score (-1)<\/span><\/li>\n<\/ul>\n<p><b>Tips to Improve Chances of Approval<\/b><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Start Small<\/b><span style=\"font-weight: 400;\">: Initially apply for a smaller loan amount. Lenders may be more willing to approve<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Show Stability<\/b><span style=\"font-weight: 400;\">: give them proof of stable income and employment. This can reassure lenders of your ability to repay the loan. This can help both lender and as well as borrower.<\/span><\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"causes-of-a-credit-score-hitting-zero\"><\/span><span style=\"font-weight: 400;\">Causes of a Credit Score Hitting Zero<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"common-reasons-for-a-zero-credit-score\"><\/span><span style=\"font-weight: normal;\">Common Reasons for a Zero Credit Score<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>New to Credit<\/b><span style=\"font-weight: 400;\">: If you\u2019ve never had a credit card or taken a loan, you won\u2019t have a credit history for CIBIL to generate a score.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>No Recent Credit Activity<\/b><span style=\"font-weight: 400;\">: Even if you had credit accounts in the past, if there\u2019s no recent activity, your score can drop to zero.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"impact-of-inactivity-or-lack-of-credit-accounts\"><\/span><span style=\"font-weight: normal;\">Impact of Inactivity or Lack of Credit Accounts<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Inactivity<\/b><span style=\"font-weight: 400;\">: Without regular credit activity, such as using a credit card or making loan payments, there is no data for CIBIL to assess your credit behaviour.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>No Credit Accounts<\/b><span style=\"font-weight: 400;\">: Not having any credit accounts means there\u2019s nothing to report to the credit bureaus, resulting in an empty score.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"credit-score-improvement-strategies\"><\/span><span style=\"font-weight: 400;\">Credit Score Improvement Strategies<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Make Payments on Time<\/b><span style=\"font-weight: 400;\">: Always pay your bills by the due date. Late payments can significantly impact your credit rating.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Set Up Reminders<\/b><span style=\"font-weight: 400;\">: Use reminders or automatic payments to ensure you never miss a due date.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Maintain Low Credit Utilization: <\/b><span style=\"font-weight: 400;\">Keep your credit card balances below 30% of your total credit limit.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"conclusion\"><\/span><span style=\"font-weight: 400;\">Conclusion<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">To wrap things up, managing and improving your credit rating is essential for your financial well-being. Here\u2019s a quick recap: In conclusion, it is essential to maintain the credit score for getting the loans and your financial well-being<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Timely Payments<\/b><span style=\"font-weight: 400;\">: Always pay your bills on time.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Low Credit Utilization<\/b><span style=\"font-weight: 400;\">: Keep your credit card balances low, ideally under 30% of your limit.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Credit Diversity<\/b><span style=\"font-weight: 400;\">: Use a mix of credit types, like credit cards and loans.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Helpful Tools<\/b><span style=\"font-weight: 400;\">: Consider secured credit cards or credit-builder loans to establish or <a href=\"https:\/\/www.paymeindia.in\/credit-assist\/\">improve your credit score<\/a>.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Regular Monitoring<\/b><span style=\"font-weight: 400;\">: Check your credit report regularly for errors and stay informed about your score.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><b>Also, read:<\/b><\/p>\n<ul>\n<li><a href=\"https:\/\/www.paymeindia.in\/blog\/personal-loan-for-cibil-score-550\/\">Personal Loan for Cibil Score of 550<\/a><\/li>\n<li><a href=\"https:\/\/www.paymeindia.in\/blog\/credit-inquiry\/\">Credit Inquiry: Hard and Soft Inquiries \u2013 How They Affect Credit Score<\/a><\/li>\n<li><a href=\"https:\/\/www.paymeindia.in\/blog\/late-payments-impact-cibil-score\/\">Does making late payments affect the CIBIL score?<\/a><\/li>\n<li><a href=\"https:\/\/www.paymeindia.in\/blog\/top-loan-apps-without-cibil-credit-score\/\">Top Loan Apps Without CIBIL\/Credit Score<\/a><\/li>\n<li><a href=\"https:\/\/www.paymeindia.in\/blog\/how-can-remove-loan-inquiry-from-cibil-credit-report\/\">How Can I Remove Loan Inquiry From CIBIL Credit Report<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>One\u2019s credit score is crucial for financial health in the financial world. CIBIL (Credit Information Bureau (India) Limited) is the main organisation in India. The range is between 300 to 900 which determines the credit score. A Healthy credit score can help in loan terms, while a lower score can limit financial opportunities. It is [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":268231,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_robots_primary_cat":"none","_seopress_titles_title":"CIBIL Credit Score Zero or Negative? What Does It Mean?","_seopress_titles_desc":"Understand the implications of a zero or negative CIBIL score. Learn how it affects your creditworthiness and what steps you can take to improve it.","_seopress_robots_index":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[2],"tags":[385,386],"class_list":{"0":"post-268210","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-cibil","8":"tag-cibil-credit-score-is-zero","9":"tag-cibil-score-in-minus-one"},"blocksy_meta":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.paymeindia.in\/blog\/wp-content\/uploads\/2024\/09\/cibil-credit-score-zero.jpg?fit=1200%2C700&ssl=1","jetpack_sharing_enabled":true,"jetpack-related-posts":[],"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/www.paymeindia.in\/blog\/wp-json\/wp\/v2\/posts\/268210","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.paymeindia.in\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.paymeindia.in\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.paymeindia.in\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.paymeindia.in\/blog\/wp-json\/wp\/v2\/comments?post=268210"}],"version-history":[{"count":5,"href":"https:\/\/www.paymeindia.in\/blog\/wp-json\/wp\/v2\/posts\/268210\/revisions"}],"predecessor-version":[{"id":305764,"href":"https:\/\/www.paymeindia.in\/blog\/wp-json\/wp\/v2\/posts\/268210\/revisions\/305764"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.paymeindia.in\/blog\/wp-json\/wp\/v2\/media\/268231"}],"wp:attachment":[{"href":"https:\/\/www.paymeindia.in\/blog\/wp-json\/wp\/v2\/media?parent=268210"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.paymeindia.in\/blog\/wp-json\/wp\/v2\/categories?post=268210"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.paymeindia.in\/blog\/wp-json\/wp\/v2\/tags?post=268210"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}