Alternate credit scoring models have emerged & they are more inclusive as compared to traditional methods.
The credit score agencies arrive at a score based on information on your financial dealings
You can get a home loan even when you are servicing your existing loan, provided you have a good credit score
Credit score is one of the ways for a lender to assess your loan repayment capability
You need to have a good credit score, regular repayment history and, show an increase in your income over time.