how to increase cibil score to 800

To increase your CIBIL Score to the 800 range, focus on consistent, responsible credit behaviour over time.

• Always pay your loan EMIs and credit card bills fully and on time, as payment history is the most critical factor.
• Keep your credit utilisation ratio low by ensuring your outstanding balance is well below 30% of your total credit limit.
• Avoid applying for multiple credit products in a short duration, as too many inquiries can temporarily lower your score.
• Maintain a good mix of secured (like a home loan) and unsecured credit (like a credit card).
• Regularly check your CIBIL report for any errors and file a dispute promptly if you find inaccuracies.