Our experts can guide you on what changes you can easily implement to improve your CIBIL score.
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CIBIL scores range from 300 to 900. Higher is better.
Best loan rates. Fast approvals. Most lenders welcome you.
Good approval chances with competitive interest rates.
Approvals possible, but rates may be higher. Improvement recommended.
Limited lender options. Work on improving score before applying.
Most lenders will decline. Requires credit repair first.
Follow these expert tips to improve your score in 90–180 days
Pay all EMIs and credit card bills on time — even a single missed payment hurts your score.
Keep your credit utilization below 30% — if limit is ₹1 Lakh, use under ₹30,000.
Avoid applying for multiple loans/credit cards simultaneously — each inquiry reduces score.
Check your credit report regularly and dispute any incorrect information immediately.
Maintain old credit accounts — longer credit history improves your score over time.
Diversify your credit mix — a combination of secured and unsecured credit is viewed positively.
Our experts help you create a personalised credit improvement plan