how to improve cibil score after default

To improve your CIBIL score after a default, you must first address the defaulted loan. Pay the outstanding amount in full or settle the debt and obtain a No Dues Certificate from the lender. Then, focus on consistent, responsible credit behavior:

• Ensure all other loan EMIs and credit card bills are paid on time.
• Maintain a low Credit Utilisation Ratio, ideally below 30% of your available limit.
• Avoid frequent applications for new credit to limit hard inquiries.
• Regularly check your credit report for any errors and dispute them immediately.