A large number of millennials today have poor credit scores due to which they no longer enjoy access to credit of any sort. This turning off of the credit tap becomes an impediment, preventing them from achieving their goals. Millennials need to recognise the dire strait they are in and then start taking steps to gradually repair their credit score.
Mismanaged credit
The first factor that led to millennials spoiling their credit score was lack of awareness. The millennials were the first generation in India that got exposed to consumer lending from banks. From early 2000, banks began to build their

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