When assessing a person’s creditworthiness and financial health, CIBIL score factors are very important. Maintaining a high credit score and being able to get decent loan terms and interest rates require an understanding of these aspects.

The following are the primary criteria influencing the CIBIL score:

1. Payment History: A person’s payment history is one of the most important variables affecting their CIBIL score. Paying credit card debts, loan EMIs, and other obligations on time shows financial responsibility and discipline, which raises credit score.
2. Credit increased dramatically: Every earning individual will have a credit limit, whether for a loan or a credit card. However, using all of the available credit would result in credit, which banks consider a red indicator. If a person maintains a certain credit level for several months but then spends much more money, their score may suffer.
3. Length of Credit History: Another factor affecting a person’s CIBIL score is how long they have been utilizing credit facilities. An extended credit history gives lenders additional information to evaluate the borrower’s creditworthiness, which could lead to a higher score. 
4. Debt-to-income ratio (DTI): Typically, lenders do not advise clients to take on more debt than about 40% of their overall income. So, DTI is a statistic used to predict a loan applicant’s ability to repay debts based on their earnings. DTI is seen as a good indicator for instilling financial discipline in oneself, allowing one to repay future EMIs with ease.

5. Multiple Loans: Banking regulators are also concerned when an individual has many debts, including home loans, personal and vehicle loans, and credit cards, registered in their name. It is always a good indicator to close one before pursuing another.

6. Public Records: Court orders, foreclosures, bankruptcies, and other legal actions can have a negative effect on a person’s CIBIL score and can be shown on their credit report for a number of years. Upholding a positive credit profile requires avoiding such unfavorable situations.

People should concentrate on prudent financial practices, such as minimizing credit utilization, paying bills on time, and avoiding excessive debt, in order to ensure a healthy CIBIL score. Maintaining an ideal credit score can also be aided by routinely checking one’s credit report for errors and taking appropriate action.