how to cibil score increase

To increase your CIBIL score, focus on disciplined credit habits:

• Pay all loan EMIs and credit card bills fully and on time, as payment history has the highest impact on your score.
• Maintain a low credit utilisation ratio, ideally keeping your credit usage below 30% of your total available limit.
• Avoid applying for multiple new loans or credit cards in a short span, as frequent hard inquiries can temporarily lower your score.
• Regularly check your CIBIL report for errors, and dispute any discrepancies promptly.
• Maintain a healthy mix of secured and unsecured credit and keep your older credit accounts open to build a long credit history.