how to start cibil score

To start your CIBIL score, you must open a formal credit account and consistently make payments on time for at least three to six months. Your first score is generated once credit bureaus receive your repayment data. Beginners in India can establish their first credit history by choosing one of these responsible methods:

• Apply for a secured credit card against a Fixed Deposit.
• Obtain a small consumer durable loan for an appliance or gadget on EMI.
• Choose 'Buy Now Pay Later' options for low-value purchases and repay promptly.
• Maintain a consistent, on-time repayment history, as this discipline is crucial for building a strong score over time.