how to improve my cibil score

To improve your CIBIL Score, you must demonstrate responsible credit behavior consistently. The most effective steps include:

• Ensure all loan EMIs and credit card bills are paid on or before the due date.
• Maintain a low credit utilisation ratio, ideally keeping your usage below 30-35% of your total credit limit.
• Avoid applying for multiple new loans or credit cards simultaneously, as this results in hard inquiries.
• Regularly check your CIBIL report for any errors or incorrect entries and raise a dispute to get them rectified.
• Maintain a healthy mix of secured and unsecured credit over time.