Credit score represents your creditworthiness that can be determined by your credit files as loans, debts, repayments, missed payments and credit cards in your name. The score can fluctuate depending upon your monetary choices. Loan increased if your score is high and you get lower rate of interest which reduces your EMI and financial burden. This score is permanent and show your financial past so it is better to maintain a good score at all time. Delayed payments not only results in late fees but adversely affect your credit score too. There are so many ways to " Improve your Credit Score " such that do not use your credit card beyond your limit and check your credit report once in a year and pay bills on time and maintain accounts in your name. Don’t obsess about your score, just work towards achieving good score and maintaining it.