Personal Finance Here's why your credit score is low, even though you pay bills on time Updated : September 11, 2020 09:13 PM IST In addition to credit repayment history, bureaus also give weightage to other vital parameters while evaluating the credit score. Ignoring these factors can damage the credit score despite timely payments of loans EMIs and credit card bills. Subscribe to Moneycontrol PRO at just Rs.33/- per month for the first year. Use code SUPERPRO. Limited period offer. Available on Web and Android.