CIBIL score is the three-digit numeric summary of your credit history. Credit score ranges from 300 to 900. A score above 750 is considered a good credit score. Credit history records the borrower's repayment of debts, credit utilization ratio, overdue credit accounts, and many other credit-related pointers. A CIBIL score takes time to build up, and usually, it takes 18 to 36 months to obtain a satisfactory credit score.