how to change cibil score

You cannot instantly 'change' your CIBIL Score, but you can certainly improve it over time by following good financial practices. Key ways to improve your score include:

• Pay all your loan EMIs and credit card bills on time without fail, as payment history is the most important factor.
• Keep your credit utilization ratio low (preferably below 30%) by not overusing your credit limit.
• Regularly check your credit report for any errors and report them for rectification.
• Avoid taking multiple new loans or credit cards in a short period.
• Maintain a good mix of secured and unsecured credit (e.g., home loan and credit card).