how to raise cibil score

To raise your CIBIL score, focus on consistent and responsible credit behaviour. The most critical steps involve managing your existing credit effectively and addressing any inaccuracies.

• Pay all your loan EMIs and credit card bills on or before the due date.
• Keep your credit utilisation ratio below 30% of your total credit limit.
• Avoid applying for multiple new loans or credit cards in a short time frame.
• Regularly check your CIBIL report for errors and promptly raise a dispute to correct them.
• Maintain a healthy and balanced mix of secured and unsecured credit.