how to get cibil score above 800

To achieve a CIBIL score above 800, focus on financial discipline and long-term habits:

• Ensure a 100% on-time payment history for all EMIs and credit card bills.
• Maintain a low credit utilization ratio, ideally keeping outstanding balances below 20-30% of your total credit limit.
• Do not close old credit accounts, as the length of your credit history is a key factor.
• Have a healthy mix of secured and unsecured credit.

Regularly monitor your credit report for any inaccuracies.