can cibil score be improved

Yes, a CIBIL score can definitely be improved by practicing responsible credit behavior consistently over time.

• Ensure all credit card bills and loan EMIs are paid promptly on or before the due date, as payment history is a major factor.
• Maintain a low Credit Utilisation Ratio (credit used versus limit), ideally keeping it below 30%.
• Regularly check your CIBIL report for any errors or inaccuracies and raise a dispute for correction.
• Avoid making multiple credit card or loan applications within a short time frame, as this suggests credit-hungry behavior.