why my cibil score is low

Your CIBIL score may be low due to poor credit management practices. The most common factors that negatively impact your score include:

• Missing or delaying EMI and credit card payments, as payment history is a major factor.
• Having a high Credit Utilization Ratio (CUR), which means using more than 30% of your total credit limit.
• Applying for multiple loans or credit cards in a short time, resulting in too many hard inquiries.
• Errors present in your credit report that you need to check and dispute with the bureau.