How is your credit score determined

Payment history is by far the most important factor of your credit report. It's essential to pay your bills on time, every single time. Any late payment is going to have a significant effect on credit scores. Your payment history accounts for about 35% of a credit score.

Utilization, which is the balance-to-limit ratio on your credit cards, is the second most important criteria. You never want a balance to be higher than 30 % of the credit limit on a single credit card or in total. To determine your utilization rate, add up all of your balances and all of your credit limits and divide the total of your balances by the total of your limits. That percentage should not be more than 30% as a maximum. The lower the percentages, the better. It's ideal to pay your balances in full each month. Length of credit history, which is based on the length of time each account has been open andyour credit mix, which is the different kinds of accounts you have including mortgage, credit cards, auto loans, etc. Having a variety of credit types can increase your score slightly, but you should not apply for a number of accounts all at once to try to improve this element. Doing so will do more harm than good because of the next element.

Recent activity looks at how much credit you've received or applied for in recent months. Specifically, it will look at if you have applied for new credit in the past 3-6 months, new inquiries, and whether you are paying off accounts or taking on more debt.

Overall capacity, such as how much installment debt is outstanding.

If you get a credit score, it will list the risk factors that are most affecting that number. You should focus on those factors and address those issues on the credit report and your scores will take care of themselves.

president of india

the oath of office for the president of india is as follows:

i, (name), do swear in the name of god (or solemnly affirm) that i will faithfully execute the office of president (or discharge the functions of the president) of india, and will to the best of my ability preserve, protect and defend the constitution and the law, and that i will devote myself to the service and well-being of the people of republic of india.

— article 60, constitution of india

मैं, अमुक ईश्वर की शपथ लेता हूँ (सत्य निष्ठा से प्रतिज्ञाण करता हूँ) कि मैं श्रद्धापूर्वक भारत के राष्ट्रपति के पद का कार्यपालन (अथवा राष्ट्रपति के कृत्यों का निर्वहन) करूँगा तथा अपनी पूरी योग्यता से संविधान और विधि का परिरक्षण, संरक्षण और प्रतिरक्षण करूँगा और मैं भारत की जनता की सेवा और कल्याण में निरत रहूँगा।

— अनुच्‍छेद 60, भारत का संविधान

vice-president of india

the oath of office for the vice-president of india is as follows:

i, (name), do swear in the name of god (or solemnly affirm) that i will bear true faith and allegiance to the constitution of india as by law established, and that i will faithfully discharge the duty upon which i am about to enter.

— article 69, constitution of india

मैं, (अमुक) ईश्वर की शपथ लेता हूं(सत्यनिष्ठा से प्रतिज्ञान करता हूं) कि मैं विधि द्वारा स्थापित भारत के संविधान के प्रति सच्ची श्रद्धा और निष्ठा रखूंगा तथा जिस पद को मैं ग्रहण करने वाला हूं उसके कर्तव्यों का श्रद्धापूर्वक निर्वहन करूँगा।

— अनुच्‍छेद 60, भारत का संविधान

union council of ministers of india

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the oath of office for prime minister and other members of the union council of ministers:

the oath of office is as follows:

i, (name), do swear in the name of god (or, solemnly affirm) that i will bear true faith and allegiance to the constitution of india as by law established, that i will uphold the sovereignty and integrity of india, that i will faithfully and conscientiously discharge my duties as a minister for the union and that i will do right to all manner of people in accordance with the constitution and the law, without fear or favour, affection or ill-will.

— schedule iii, constitution of india

मैं, (अमुक), ईश्वर की शपथ लेता हूँ/सत्यनिष्ठा से प्रतिज्ञान करता हूँ कि मैं विधि द्वारा स्थापित भारत के संविधान के प्रति सच्ची श्रद्धा और निष्ठा रखूँगा, मैं भारत की प्रभुता और अखंडता अक्षुण्ण रखूँगा, मैं संघ के प्रधानमंत्री/मंत्री के रूप में अपने कर्तव्यों का श्रद्धापूर्वक और शुद्ध अंतःकरण से निर्वहन करूँगा तथा मैं भय या पक्षपात, अनुराग या द्वेष के बिना, सभी प्रकार के लोगों के प्रति संविधान और विधि के अनुसार न्याय करूँगा।

— तीसरी अनुसूची, भारत का संविधान

the oath of secrecy is as follows:

i, (name), do swear in the name of god (or, solemnly affirm) that i will not directly or indirectly communicate or reveal to any person or persons any matter which shall be brought under my consideration or shall become known to me as a minister for the union except as may be required for the due discharge of my duties as such minister.

— schedule iii, constitution of india

मैं, (अमुक), ईश्वर की शपथ लेता हूँ/सत्यनिष्ठा से प्रतिज्ञान करता हूँ कि जो विषय संघ के मंत्री के रूप में मेरे विचार के लिए लाया जाएगा अथवा मुझे ज्ञात होगा उसे किसी व्यक्ति या व्यक्तियों को, तब के सिवाय जबकि ऐसे मंत्री के रूप में अपने कर्तव्यों के सम्यक्‌ निर्वहन के लिए ऐसा करना अपेक्षित हो, मैं प्रत्यक्ष अथवा अप्रत्यक्ष रूप से संसूचित या प्रकट नहीं करूँगा।

— तीसरी अनुसूची, भारत का संविधान

chief justice of the supreme court or high court

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the oath of office for chief justice of supreme court or high court is as follows:

i, (name), having been appointed chief justice (or a judge) of the supreme court of india, do swear in the name of god (or affirm) that i will bear true faith and allegiance to the constitution of india as by law established, that i will uphold the sovereignty and integrity of india, that i will duly and faithfully and to the best of my ability, knowledge and judgment perform the duties of my office without fear or favour, affection or ill-will and that i will uphold the constitution and the laws.

— schedule iii, constitution of india

मैं, (अमुक), जो भारत के उच्चतम न्यायालय का मुख्य न्यायमूर्ति (या न्यायाधीश) (या भारत का नियंत्रक-महालेखापरीक्षक) नियुक्त हुआ हूँ, ईश्वर की शपथ लेता हूँ/सत्यनिष्ठा से प्रतिज्ञान करता हूँ कि मैं विधि द्वारा स्थापित भारत के संविधान के प्रति सच्ची श्रद्धा और निष्ठा रखूँगा, मैं भारत की प्रभुता और अखंडता अक्षुण्ण रखूँगा तथा मैं सम्यक्‌ प्रकार से और श्रद्धापूर्वक तथा अपनी पूरी योग्यता, ज्ञान और विवेक से अपने पद के कर्तव्यों का भय या पक्षपात, अनुराग या द्वेष के बिना पालन करूँगा तथा मैं संविधान और विधियों की मर्यादा बनाए रखूँगा।