how to make cibil score better

To improve your CIBIL score, focus on responsible credit management.

• Always pay your loan EMIs and credit card bills on or before the due date. Timely payments are the most crucial factor.
• Keep your credit utilisation ratio low, ideally below 30% of your total available credit limit.
• Avoid applying for multiple loans or credit cards simultaneously, as this can signal financial distress to lenders.
• Regularly check your CIBIL report for errors or discrepancies and get them corrected promptly.
• Maintain a healthy credit mix of secured and unsecured credit.