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The CIBIL score plays an important role when it comes to your application process. Once the application has been filled by the borrower, the lender will go and check the CIBIL score. Accordingly the lender will process the loan at a lower rate or a higher rate or even reject it if the CIBIL score is dismally low. Everything depends on it. Your credit score is the first impression and remember, first impression is the last impression.