The topic of credit scoring has gained significant attention lately, and for good reason. While it was once associated solely with big-ticket purchases like cars or homes, its influence now extends to various aspects of life. A credit score reflects an individual's financial discipline and creditworthiness, impacting not just major purchases but also insurance rates, phone plans, and even job opportunities. Despite its importance, many people in India remain unaware of their credit scores until they need to make significant financial decisions. This study aims to gauge individuals' awareness of their credit scores and their understanding of its importance. It investigates the relationship between monthly income and credit score awareness, as well as the correlation between credit score awareness and motivation to improve it. Using statistical tools like the Chi-Square Test, the study found a direct relationship between respondents' income levels and their knowledge of their credit scores. However, while most participants understood basic credit reporting concepts, many were unclear about how credit scores are used and by whom. The study suggests improving financial literacy to ensure consumers understand the significance of credit scoring and maintain financial discipline. Ultimately, the essence of finance lies in predicting risk, particularly borrowers' ability to fulfil their financial commitments. Keywords: Credit Score, CIBIL, Financial Discipline, Financial Diagnosis, Credit Report