The key factors that affect the credit score of students while staying in other countries include

High levels of debt relative to your credit limit or income can negatively impact your score. A few students tend to accumulate debt from several small-scale consumer loan applications, which can lead to a decline in their credit score.

Applying for multiple loans or credit cards in a short period can lower your score, as each application results in a credit inquiry that gets recorded.

Consistently paying education loan installments or any other debts on time is crucial. Late or missed payments can significantly lower your credit score.

Responsible usage of credit cards, such as keeping credit utilization low and paying off the balance in full each month, positively impacts the score.

The longer your credit history, the better it is for your score. Keeping accounts open and in good standing over time helps build a solid credit profile.