how to recover cibil score

To recover your CIBIL Score, you must adopt disciplined credit behavior and address past financial issues. Timely repayment is the most important step, so focus on consistently making all your loan EMIs and credit card payments on time.

• Clear off all outstanding dues and debts to improve your status from 'Settled' to 'Closed'.
• Keep your credit utilization ratio low, ideally below 30% of your total credit limit.
• Avoid applying for multiple new loans or credit cards in a short period.
• Regularly check your CIBIL report for any mistakes and raise a dispute to correct inaccuracies.
• Consider a secured credit card to rebuild your credit history.