This study investigates the relationship between an individual’s level and their attitude, motivation, and awareness concerning CIBIL scores. Utilizing a quantitative approach with data from 150 participants, the research employed descriptive statistics, correlation analysis, and multiple linear regression. The findings consistently demonstrate that income level does not significantly predict consumers’ attitudes, motivations, or awareness regarding credit scores. Despite intuitive assumptions, the analyses revealed very low explanatory power of income for these variables, with all regression models and individual income coefficients being statistically non-significant. This suggests that actors beyond income may be more influential in shaping financial perceptions and knowledge related to credit scores, highlighting implications for broad-based financial literacy initiatives.