Kailash, your information that credit score makes only the first impression is quite wrong. My experience says it is not like that. Banks do pass the loans if the credit history of the applicant is good enough. They do not even need any ITR or something. Once I went to a car showroom & selected a car, bargained for the price and was referred to the in-house executive of HDFC Bank for financing of the vehicle. The executive asked for my ITR and I told him that I do not file an ITR, he asked whether I use a credit card, I said yes. I gave the executive my credit card number and he told me that he will contact me within 2-3 days and inform about the bank's decision about financing of the car. Here, mind it that the car was not some Maruti 800 or anything similar to that.
I left the car showroom & was on my way back to my office, must have been 15 minutes only that I got a call from the same executive. He told me that Bank has approved the loan for the car and I can take the delivery of the car whenever I want it. I took a u-turn and reached the showroom again and met the executive. I asked him and he confirmed that my loan for the car was approved on the terns which we had agreed upon. He also confirmed that I can take the delivery within half an hour. I asked him how was it possible that I can take the delivery in half an hour and he told me that my credit history was so good that the bank approved the loan on that basis only. I asked the executive about the address verification etc and he told me that they will do it afterwards as it was mere a formality in my case. I rang up my brother, asked him to bring the check book & the upfront-money. My brother came within 15 minutes and I literally took the delivery of the car within an hour or so without any type of verification.
So, Kailash, my experience says that your information about the importance of the credit score is 100% wrong.