Having no debt means a perfect credit score.
It is important to monitor your credit score regularly. And knowing the difference between hard & soft credit check & how it affects credit score might help.
Checking your CIBIL or credit score lowers the score.
Monitoring the CIBIL Score is important. Know the importance of checking your CIBIL score and a step-by-step guide on how to check and monitor your CIBIL score.