To increase your CIBIL score, start by paying all your credit card bills and EMIs on time. Consistent, timely payments positively impact your credit history. Keep your credit utilization ratio below 30% — using too much of your available credit can signal financial stress. Avoid taking multiple loans or applying for too many credit cards in a short span, as frequent credit inquiries can lower your score. Maintain a balanced mix of secured (like home loans) and unsecured loans (like personal loans) to show responsible credit behavior. Regularly check your credit report for errors or discrepancies and get them corrected immediately. Keeping older credit accounts open helps build a longer credit history, which benefits your score. Lastly, avoid being a guarantor for unreliable borrowers, as their defaults can affect your score. With patience and disciplined financial habits, you can steadily improve your CIBIL score over time.

To increase your CIBIL score, start by paying all your credit card bills and EMIs on time. Consistent, timely payments positively impact your credit history. Keep your credit utilization ratio below 30% — using too much of your available credit can signal financial stress. Avoid taking multiple loans or applying for too many credit cards in a short span, as frequent credit inquiries can lower your score. Maintain a balanced mix of secured (like home loans) and unsecured loans (like personal loans) to show responsible credit behavior. Regularly check your credit report for errors or discrepancies and get them corrected immediately. Keeping older credit accounts open helps build a longer credit history, which benefits your score. Lastly, avoid being a guarantor for unreliable borrowers, as their defaults can affect your score. With patience and disciplined financial habits, you can steadily improve your CIBIL score over time.

Improving your CIBIL score is essential for better credit opportunities and financial stability. Start by paying all your bills and EMIs on time—consistent, timely payments positively impact your score. Keep your credit utilization ratio below 30% by not maxing out your credit cards. If possible, increase your credit limit to reduce utilization without increasing debt. Avoid applying for multiple loans or credit cards at once, as frequent credit inquiries can lower your score. Maintain a healthy mix of secured (like home loans) and unsecured credit (like credit cards) to show responsible credit behavior. Regularly monitor your CIBIL report for errors or outdated information, and dispute any inaccuracies immediately. Keeping older credit accounts active can also help, as a longer credit history boosts your score. Lastly, avoid settling debts for less than the full amount owed, as this can negatively affect your creditworthiness. Patience and disciplined credit habits are key to improving your score.