{"id":87641,"date":"2024-01-21T12:15:20","date_gmt":"2024-01-21T12:15:20","guid":{"rendered":"https:\/\/asuka.paymeindia.in\/blog\/?p=87641"},"modified":"2026-05-19T06:32:24","modified_gmt":"2026-05-19T06:32:24","slug":"how-to-increase-cibil-credit-score","status":"publish","type":"post","link":"https:\/\/www.paymeindia.in\/blog\/how-to-increase-cibil-credit-score\/","title":{"rendered":"How to increase CIBIL\/Credit Score?"},"content":{"rendered":"<p style=\"text-align: justify;\">The CIBIL report is a record of your borrowing behaviour that influences your CIBIL score. A score of 750 or higher unlocks better loan terms, but even lower scores can be improved with diligent effort.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 ez-toc-wrap-left counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.paymeindia.in\/blog\/how-to-increase-cibil-credit-score\/#what-is-a-good-credit-score-in-india\" >What is a good credit score in India?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.paymeindia.in\/blog\/how-to-increase-cibil-credit-score\/#cibil-score-range-table\" >CIBIL score range table:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.paymeindia.in\/blog\/how-to-increase-cibil-credit-score\/#13-smart-ways-to-improve-cibil-score\" >13 smart ways to improve CIBIL score:<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.paymeindia.in\/blog\/how-to-increase-cibil-credit-score\/#1-clear-existing-debt\" >1. Clear Existing Debt:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.paymeindia.in\/blog\/how-to-increase-cibil-credit-score\/#2-maintain-older-credit-cards-for-extended-credit-history\" >2. Maintain Older Credit Cards for Extended Credit History:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.paymeindia.in\/blog\/how-to-increase-cibil-credit-score\/#3-ensure-timely-payment-of-loanscredit-card-bills\" >3. Ensure Timely Payment of Loans\/Credit Card Bills:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.paymeindia.in\/blog\/how-to-increase-cibil-credit-score\/#4-make-timely-emi-payments-and-set-reminders-accordingly\" >4. Make Timely EMI Payments and Set Reminders Accordingly:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.paymeindia.in\/blog\/how-to-increase-cibil-credit-score\/#5-opt-for-a-longer-tenure-when-acquiring-a-loan\" >5. Opt for a Longer Tenure When Acquiring a Loan:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.paymeindia.in\/blog\/how-to-increase-cibil-credit-score\/#6-steer-clear-of-accumulating-excessive-debt-concurrently\" >6. Steer Clear of Accumulating Excessive Debt Concurrently:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.paymeindia.in\/blog\/how-to-increase-cibil-credit-score\/#7-avoid-owning-an-excessive-number-of-credit-cards\" >7. Avoid Owning an Excessive Number of Credit Cards:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.paymeindia.in\/blog\/how-to-increase-cibil-credit-score\/#8-tailor-your-credit-limit-to-align-with-your-expenses\" >8. Tailor Your Credit Limit to Align with Your Expenses:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.paymeindia.in\/blog\/how-to-increase-cibil-credit-score\/#9-establish-a-diverse-mix-of-loans-for-a-strong-credit-history\" >9. Establish a Diverse Mix of Loans for a Strong Credit History:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.paymeindia.in\/blog\/how-to-increase-cibil-credit-score\/#10-regularly-review-your-cibil-report-for-any-errors\" >10. Regularly Review Your CIBIL Report for Any Errors:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.paymeindia.in\/blog\/how-to-increase-cibil-credit-score\/#11-restrict-the-frequency-of-loan-applications\" >11. Restrict the Frequency of Loan Applications:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.paymeindia.in\/blog\/how-to-increase-cibil-credit-score\/#12-keep-a-close-eye-on-credit-utilisation\" >12. Keep a Close Eye on Credit Utilisation:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.paymeindia.in\/blog\/how-to-increase-cibil-credit-score\/#13-use-paymes-%e2%80%9ccredit-assist%e2%80%9d-services-to-improve-your-cibilcredit-score\" >13. Use PayMe&#8217;s \u201cCredit Assist\u201d Services to Improve Your CIBIL\/Credit Score:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.paymeindia.in\/blog\/how-to-increase-cibil-credit-score\/#how-to-use-paymes-%e2%80%9ccredit-assist%e2%80%9d-service-to-improve-your-cibil-score-immediately\" >How to use PayMe&#8217;s \u201cCredit Assist\u201d service to improve your CIBIL score immediately?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.paymeindia.in\/blog\/how-to-increase-cibil-credit-score\/#factors-that-have-a-negative-influence-on-your-credit-score\" >Factors that have a negative influence on your credit score:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.paymeindia.in\/blog\/how-to-increase-cibil-credit-score\/#how-to-increase-the-cibil-score-from-600-to-750\" >How to increase the CIBIL score from 600 to 750?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.paymeindia.in\/blog\/how-to-increase-cibil-credit-score\/#why-is-your-credit-score-important\" >Why Is Your Credit Score Important?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/www.paymeindia.in\/blog\/how-to-increase-cibil-credit-score\/#frequently-asked-questions-faqs\" >Frequently Asked Questions (FAQs):<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"what-is-a-good-credit-score-in-india\"><\/span>What is a good credit score in India?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">Your CIBIL report tells lenders about your past credit habits. CIBIL score ranges between 300 and 900. The closer the score is to 900, the better your chances of availing a loan or even a credit card. While a 750+ score offers benefits, even if your score isn&#8217;t ideal, there are steps you can take to boost it and secure better loan terms.<\/p>\n<p style=\"text-align: justify;\">One should keep in mind that multiple factors can impact their credit score, \u00a0but there are also multiple ways to improve it.<\/p>\n<p style=\"text-align: justify;\">In this article, we will be discussing a few tactics on how to increase your CIBIL score and your creditworthiness.<\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"cibil-score-range-table\"><\/span>CIBIL score range table:<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table class=\"table-inner alignjustify alignjustify alignjustify\">\n<tbody>\n<tr>\n<td style=\"text-align: center;\"><strong>CIBIL Score Range<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>Credit Category<\/strong><\/td>\n<\/tr>\n<tr>\n<td>300 to 500<\/td>\n<td>Poor<\/td>\n<\/tr>\n<tr>\n<td>500 to 650<\/td>\n<td>Average<\/td>\n<\/tr>\n<tr>\n<td>650 to 750<\/td>\n<td>Good (*Easy to get loan approvals)<\/td>\n<\/tr>\n<tr>\n<td>750 to 900<\/td>\n<td>Excellent<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"text-align: justify;\">The CIBIL score range table provides a concise overview of credit scores, categorising them into different ranges to help individuals understand their creditworthiness. Look at the table to know which category you belong in the CIBIL score range:<\/p>\n<div style=\"background: #152745; max-width: 700px; width: 100%; height: 130px; border-radius: 10px; padding: 30px;\">\n<p style=\"font-size: 30px!important; line-height: 36px; font-weight: 400; padding-top: 12px; color: #ffffff!important; text-align: center; margin: 0; font-family: 'Assistant', sans-serif;\">A few clicks to fix your CIBIL mix<\/p>\n<div style=\"text-align: center; margin-top: 40px;\"><a style=\"border-radius: 10px; background-color: #fc6603; color: #fff!important; font-size: 18px; padding: 15px 43px; cursor: pointer;\" href=\"https:\/\/www.paymeindia.in\/credit-assist\/?utm_source=blog&amp;utm_medium=blog-in-content-cta\">Explore More<\/a><\/div>\n<\/div>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"13-smart-ways-to-improve-cibil-score\"><\/span>13 smart ways to improve CIBIL score:<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"1-clear-existing-debt\"><\/span>1. Clear Existing Debt:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"padding-justify: 40px; text-align: justify;\">Clearing your existing debts is akin to laying a solid foundation for your financial future. It&#8217;s not just about how to increase your credit score, but it&#8217;s also about taking control of your finances. Outstanding credit card balances and unpaid loans not only drag your credit score down, but also accrue hefty interest charges that can erode your financial stability. Prioritising debt repayment is the first and crucial step in your journey toward financial health.<\/p>\n<p><strong>Here&#8217;s an example, to make you understand better:<\/strong><br data-start=\"158\" data-end=\"161\" \/>Asha had a credit card bill of \u20b945,000 and a personal loan of \u20b91,20,000. She used her tax refund to clear the credit card first to escape the high interest, then set up an auto-debit EMI plan for the loan. In 6 months, her CIBIL score increased by 50 points!<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"2-maintain-older-credit-cards-for-extended-credit-history\"><\/span>2. Maintain Older Credit Cards for Extended Credit History:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"padding-justify: 40px; text-align: justify;\">In the world of credit, age matters. The length of your credit history is a critical component of your credit score. By keeping your older credit cards active, you not only maintain a longer credit history but also showcase your ability to manage credit responsibly over an extended period. This is highly regarded by credit bureaus and can significantly enhance your creditworthiness.<\/p>\n<p><strong>Here&#8217;s an example, for better understanding:<\/strong><br \/>\nNikhil had an old credit card from his first internship. He kept it active by charging his mobile bill each month and paying it in full. This helped him maintain a long credit history, improving his overall credit health.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"3-ensure-timely-payment-of-loanscredit-card-bills\"><\/span>3. Ensure Timely Payment of Loans\/Credit Card Bills:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"padding-justify: 40px; text-align: justify;\">The backbone of a strong credit profile is a track record of timely bill payments. Consistently paying your credit card bills and loan instalments on time demonstrates your reliability as a borrower. Late payments not only attract penalties and higher interest rates but also cast a shadow on your credit score. To steer clear of this pitfall, consider setting up payment reminders or automating your payments.<\/p>\n<p><strong data-start=\"909\" data-end=\"953\">Want to know how this works in practice?<\/strong><br data-start=\"953\" data-end=\"956\" \/>Let&#8217;s say, Sana linked her \u20b945,000 credit card bill and \u20b91,20,000 loan EMI to auto-pay. By never missing a due date, she gradually built a solid repayment track, pushing her CIBIL score upward.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"4-make-timely-emi-payments-and-set-reminders-accordingly\"><\/span>4. Make Timely EMI Payments and Set Reminders Accordingly:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"padding-justify: 40px; text-align: justify;\">For those with instalment loans, such as car loans or home loans, making on-time EMI payments is paramount. Delinquencies on these payments can not only damage your credit score but also put your valuable assets, such as your car or home, at risk. To ensure you never miss an EMI, set reminders and adhere to a disciplined repayment schedule.<\/p>\n<p><strong data-start=\"1213\" data-end=\"1262\">Let\u2019s look at how someone managed it smartly:<\/strong><br data-start=\"1262\" data-end=\"1265\" \/>Kunal had a car loan of \u20b91,20,000. He used a wall calendar and set alerts on his phone a day before each EMI. His consistency paid off, with a noticeable improvement in his credit score over the loan tenure.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"5-opt-for-a-longer-tenure-when-acquiring-a-loan\"><\/span>5. Opt for a Longer Tenure When Acquiring a Loan:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"padding-justify: 40px; text-align: justify;\">When taking out a loan, the tenure you choose can significantly impact your ability to manage your finances. Opting for a longer repayment period can result in lower monthly EMIs, making your loan more manageable and reducing the risk of missing payments. While this may extend the overall duration of the loan, it can contribute positively to your credit history and help to improve your CIBIL score.<\/p>\n<p><strong data-start=\"1538\" data-end=\"1593\">Here\u2019s how one person benefited from this approach:<\/strong><br data-start=\"1593\" data-end=\"1596\" \/>Anita took a \u20b910 lakh personal loan and chose a 5-year tenure instead of 3. The lower EMIs gave her breathing room in her monthly budget, helping her avoid late payments and defaults.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"6-steer-clear-of-accumulating-excessive-debt-concurrently\"><\/span>6. Steer Clear of Accumulating Excessive Debt Concurrently:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"padding-justify: 40px; text-align: justify;\">Smart money management means not taking on too much debt all at once. Lenders view individuals with a high level of outstanding debt as riskier borrowers. To maintain a healthy credit profile, it&#8217;s essential to balance your debt load and ensure that you can comfortably meet your financial obligations.<\/p>\n<p><strong data-start=\"1855\" data-end=\"1900\">Let&#8217;s understand through a scenario:<\/strong><br data-start=\"1900\" data-end=\"1903\" \/>Yash wanted to buy a car and renovate his house, but taking both loans at once would\u2019ve meant \u20b91,20,000 in added debt. He chose to finish the renovation first and delayed the car purchase, keeping his debt under control.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"7-avoid-owning-an-excessive-number-of-credit-cards\"><\/span>7. Avoid Owning an Excessive Number of Credit Cards:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"padding-justify: 40px; text-align: justify;\">Credit cards offer convenience and rewards, but having too many can raise eyebrows among lenders. It may suggest over-reliance on credit. Responsible credit usage involves maintaining a reasonable number of credit cards and managing them wisely, which can significantly bolster your creditworthiness.<\/p>\n<p><strong data-start=\"2192\" data-end=\"2248\">Here\u2019s how reducing credit cards worked for someone:<\/strong><br data-start=\"2248\" data-end=\"2251\" \/>Rishika had six credit cards but struggled with due dates and limits. She closed three with low benefits and kept the ones with better credit limits. This helped her avoid over-leveraging and improved her credit profile.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"8-tailor-your-credit-limit-to-align-with-your-expenses\"><\/span>8. Tailor Your Credit Limit to Align with Your Expenses:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"padding-justify: 40px; text-align: justify;\">Requesting a credit limit that matches your income and spending patterns is a smart move. While a high credit limit can be advantageous, it&#8217;s only beneficial if you can use it responsibly. Requesting a limit that aligns with your financial capacity helps you avoid accumulating excessive debt and late payments.<\/p>\n<p><strong data-start=\"2543\" data-end=\"2574\">This might make it clearer:<\/strong><br data-start=\"2574\" data-end=\"2577\" \/>Abhay requested a \u20b91 lakh credit limit, which matched his average spending needs. Staying within that limit helped him control expenses and maintain a good credit utilisation ratio.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"9-establish-a-diverse-mix-of-loans-for-a-strong-credit-history\"><\/span>9. Establish a Diverse Mix of Loans for a Strong Credit History:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"padding-justify: 40px; text-align: justify;\">Lenders appreciate borrowers with a diverse credit mix because it demonstrates their ability to manage different types of credit responsibly. A diverse credit portfolio typically includes credit cards, instalment loans (such as car loans), and mortgages. By showcasing responsible management across various credit categories, you can positively impact your credit score.<\/p>\n<p><strong data-start=\"2839\" data-end=\"2877\">Let\u2019s take an example for clarity:<\/strong><br data-start=\"2877\" data-end=\"2880\" \/>Seema had only used credit cards before. She took a small consumer durable loan for \u20b945,000 and paid it back within 6 months. This mix of revolving and term credit improved her CIBIL score.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"10-regularly-review-your-cibil-report-for-any-errors\"><\/span>10. Regularly Review Your CIBIL Report for Any Errors:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"padding-justify: 40px; text-align: justify;\">Monitoring your credit report is a proactive step if you want to know how to improve CIBIL score. It helps in maintaining a healthy credit profile. Periodically obtaining and scrutinising your credit report is crucial, as errors or inaccuracies can unfairly tarnish your score. If you discover any discrepancies, take prompt action by disputing them with the relevant credit bureau. Ensuring that your credit report accurately reflects your credit history is essential for maintaining a strong financial reputation and contributing towards improving your credit score.<\/p>\n<p><strong data-start=\"3140\" data-end=\"3187\">Here\u2019s how staying alert made a difference:<\/strong><br data-start=\"3187\" data-end=\"3190\" \/>Dev noticed a loan of \u20b91,20,000 marked as \u201cunpaid\u201d in his CIBIL report, which he had already cleared. He raised a dispute with the bureau and got it fixed, resulting in a 60+ point jump in his score.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"11-restrict-the-frequency-of-loan-applications\"><\/span>11. Restrict the Frequency of Loan Applications:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"padding-justify: 40px; text-align: justify;\">Applying for loans or credit cards frequently can raise red flags among lenders. It may indicate financial instability or desperation for credit, both of which can negatively affect your credit score. Therefore, it&#8217;s advisable to apply for credit only when necessary and not to overextend yourself with multiple applications.<\/p>\n<p><strong data-start=\"3454\" data-end=\"3507\">Here\u2019s a situation that shows why timing matters:<\/strong><br data-start=\"3507\" data-end=\"3510\" \/>Mehul applied for three loans (including one for \u20b91,20,000) within a single month. His score dipped noticeably. Learning from the mistake, he waited, improved his credit habits, and applied again with better results.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"12-keep-a-close-eye-on-credit-utilisation\"><\/span>12. Keep a Close Eye on Credit Utilisation:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"padding-justify: 40px; text-align: justify;\">Credit utilisation refers to the proportion of your credit card balances to your credit limits, which can have a considerable impact on your credit score. Maintaining a high credit utilisation, where you are using a significant portion of your available credit, can adversely affect your creditworthiness. To improve your credit score, it is advisable to keep your credit card balances well below their credit limits, ideally not exceeding 30%.<\/p>\n<p><strong data-start=\"3786\" data-end=\"3838\">To explain this better, here\u2019s what someone did:<\/strong><br data-start=\"3838\" data-end=\"3841\" \/>Payal\u2019s credit card had a limit of \u20b91 lakh, and she used up to \u20b970,000 monthly. She began making weekly payments to keep the utilisation under 30%, which helped her credit score climb steadily.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"13-use-paymes-%e2%80%9ccredit-assist%e2%80%9d-services-to-improve-your-cibilcredit-score\"><\/span>13. Use PayMe&#8217;s \u201c<strong>Credit Assist<\/strong>\u201d Services to Improve Your CIBIL\/Credit Score:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"padding-justify: 40px; text-align: justify;\">PayMe&#8217;s \u201c<strong>Credit Assist<\/strong><span style=\"font-size: 16px;\">\u201d services are tailored to provide you with invaluable tools and expert guidance to improve CIBIL score. By leveraging these services, you can access personalised advice and tailored strategies to enhance your CIBIL score. This service can be a game-changer, opening the doors to better financial opportunities, including lower interest rates on loans.<\/span><\/p>\n<p><strong>Here\u2019s how one PayMe customer turned things around:\u00a0<\/strong><br \/>\nAnita had two lingering debts \u2014 a credit card bill of \u20b925,000 and a personal loan balance of \u20b975,000. She signed up for PayMe\u2019s <strong data-start=\"455\" data-end=\"472\">Credit Assist<\/strong> service, which helped her create a personalised repayment strategy. She began by clearing the \u20b925,000 credit card in 2 months and then increased her EMI payments on the personal loan using a snowball method. Within 4 months, her total outstanding was down to \u20b930,000, and her CIBIL score improved by <strong data-start=\"773\" data-end=\"787\">80+ points<\/strong> thanks to reduced credit utilisation and on-time payments.<\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"how-to-use-paymes-%e2%80%9ccredit-assist%e2%80%9d-service-to-improve-your-cibil-score-immediately\"><\/span>How to use PayMe&#8217;s \u201cCredit Assist\u201d service to improve your CIBIL score immediately?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"padding-justify: 40px; text-align: justify;\">If you&#8217;ve faced loan rejections due to a low CIBIL score, PayMe offers an invaluable solution. For a nominal fee, our &#8216;Credit Assist&#8217; service provides tailored and personalised strategies to improve your credit score, enabling you to swiftly overcome credit hurdles and secure the financial assistance you need.<\/p>\n<ul style=\"text-align: justify;\">\n<li><strong>Step 1:<\/strong> Go to PayMe&#8217;s official website by entering &#8220;<a href=\"http:\/\/www.paymeindia.in\">www.paymeindia.in<\/a>&#8221; into your web browser.<\/li>\n<li><strong>Step 2: <\/strong>Once on the main page, look for the \u201cProducts\u201d section in the website&#8217;s menu or homepage. Click on it to access the list of PayMe&#8217;s services.<\/li>\n<li><strong>Step 3:<\/strong> You will find the &#8216;<a href=\"https:\/\/www.paymeindia.in\/credit-assist\/\">Credit Assist<\/a>&#8216; service. Click on it to learn more about the service and how it can help improve your CIBIL score.<\/li>\n<li><strong>Step 4: <\/strong>If you&#8217;re interested in using the &#8216;Credit Assist&#8217; service, you may need to sign up or request assistance by clicking on \u201cTry it now\u201d. This will involve filling out a form and providing some basic information.<\/li>\n<li><strong>Step 5:<\/strong> After signing up or requesting assistance, we will get in touch with you to discuss your specific situation. We will provide you with personalised solutions and strategies to improve your CIBIL score.<\/li>\n<li><strong>Step 6: <\/strong>Regularly check your credit score to monitor your progress. You can often access your CIBIL score through PayMe&#8217;s platform or directly through credit bureaus.<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">Following the above-mentioned steps will help you improve your CIBIL score, and you&#8217;ll be better positioned to secure loans, credit cards, and other financial opportunities that may have been previously out of reach.<\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"factors-that-have-a-negative-influence-on-your-credit-score\"><\/span>Factors that have a negative influence on your credit score:<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol style=\"text-align: justify;\">\n<li><strong> Payment History:<\/strong><\/li>\n<\/ol>\n<p style=\"text-align: justify; padding-left: 40px;\">Maintaining a high CIBIL score requires timely payments of your monthly credit card bills and loan EMIs. Delays or defaults in payments can significantly impact your score, indicating potential credit management challenges. A recent analysis showed that even a 30-day delinquency could lead to a 100-point drop in your score.<\/p>\n<ol style=\"text-align: justify;\" start=\"2\">\n<li><strong> Credit Utilisation Ratio:<\/strong><\/li>\n<\/ol>\n<p style=\"text-align: justify; padding-left: 40px;\">While having loans or multiple credit cards doesn&#8217;t inherently harm your CIBIL score, a high credit utilisation ratio can lower it. Ideally, you should utilise no more than 30% of your credit limit. A higher ratio suggests increasing debt levels and a greater risk of default. It&#8217;s essential to monitor your credit expenses to avoid maxing out your limit.<\/p>\n<ol style=\"text-align: justify;\" start=\"3\">\n<li><strong> Credit Type and Duration:<\/strong><\/li>\n<\/ol>\n<p style=\"text-align: justify; padding-left: 40px;\">Your credit history&#8217;s age, which reflects the years since you opened your first credit account, matters. CIBIL considers the average age of your credit accounts. A balanced mix of secured loans (e.g., car or home loans) and unsecured loans (e.g., credit cards) can positively impact your score, indicating proficiency in managing different account types. A long, well-managed credit history positions you as a low-risk borrower, making it advisable to start building credit early, especially if you plan significant purchases like a house or a car in the future.<\/p>\n<ol style=\"text-align: justify;\" start=\"4\">\n<li><strong> Other Factors:<\/strong><\/li>\n<\/ol>\n<p style=\"text-align: justify; padding-left: 40px;\">Credit inquiries are another factor in score calculation. Each time you apply for a loan or credit card, lenders perform a credit report check, known as a hard inquiry. Multiple credit requests within a short timeframe can decrease your score. To maintain your score, it&#8217;s best to space out your credit applications throughout the year rather than making them all at once.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"how-to-increase-the-cibil-score-from-600-to-750\"><\/span>How to increase the CIBIL score from 600 to 750?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In today\u2019s financial landscape, having a good CIBIL score is highly important. While the score ranges between 300 and 900, a score of 750 or above is generally regarded as trustworthy by lenders. Individuals with higher scores are considered low-risk and are often offered loans with better interest rates or more favourable terms, thus, this score plays a vital role in determining loan approvals.<\/p>\n<p>If your CIBIL score is around 600, you can work towards raising it to 750 by taking the following steps:<\/p>\n<ol>\n<li>Make timely repayments<\/li>\n<li>Build a strong credit history<\/li>\n<li>Keep your credit utilisation ratio low<\/li>\n<li>Avoid applying for multiple loans or inquiries<\/li>\n<li>Maintain a balance between secured and unsecured loans<\/li>\n<li>Keep old credit lines open<\/li>\n<li>Regularly check your credit report<\/li>\n<\/ol>\n<p>These practices will help you enhance your creditworthiness and improve your loan eligibility.<\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"why-is-your-credit-score-important\"><\/span>Why Is Your Credit Score Important?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify; padding-left: 40px;\">Your CIBIL or credit score is crucial because it serves as a financial report card that lenders use to evaluate your creditworthiness. A high score indicates responsible credit management, making it easier to secure loans, credit cards, and favourable interest rates. Conversely, a low score can lead to loan rejections and higher interest rates, potentially limiting your financial options.<\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"frequently-asked-questions-faqs\"><\/span>Frequently Asked Questions (FAQs):<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol style=\"text-align: justify;\">\n<li><strong> How much time does it take to improve a CIBIL score?<\/strong><\/li>\n<\/ol>\n<p style=\"text-align: justify; padding-left: 40px;\">Improving your CIBIL score is a gradual process that depends on various factors, including your current score and the steps you take to enhance it. Generally, visible improvements may be observed in about 6 to 12 months of consistent positive credit behaviour.<\/p>\n<ol style=\"text-align: justify;\" start=\"2\">\n<li><strong>. How to increase the CIBIL score from 500 to 750 and from 600 to 750?<\/strong><\/li>\n<\/ol>\n<p style=\"padding-left: 40px;\">To increase your CIBIL score from 500 to 750, and 650 to 750, regardless of your starting point, focus on making timely payments, reducing outstanding debt, diversifying your credit mix, and maintaining a low credit utilisation ratio. Consistency in these actions over time can help you reach your desired score.<\/p>\n<ol style=\"text-align: justify;\" start=\"3\">\n<li><strong> How to increase CIBIL score without a credit card?<\/strong><\/li>\n<\/ol>\n<p style=\"text-align: justify; padding-left: 40px;\">You can enhance your CIBIL score without a credit card by taking steps such as paying bills and EMIs on time, maintaining a mix of different loans (like a car or <a href=\"https:\/\/www.paymeindia.in\/personal-loan\/\">personal loan<\/a>), and ensuring a low credit utilisation ratio on any existing credit cards. Demonstrating responsible financial behaviour across various credit types can positively impact your score.<\/p>\n<ol style=\"text-align: justify;\" start=\"4\">\n<li><strong> Can closing a credit card improve the CIBIL score?<\/strong><\/li>\n<\/ol>\n<p style=\"text-align: justify; padding-left: 40px;\">Closing a credit card can sometimes have a negative impact on your score, especially if it&#8217;s one of your older accounts. It may reduce your overall credit limit and affect your credit utilisation ratio. Consider keeping older cards open to maintain a positive credit history.<\/p>\n<ol style=\"text-align: justify;\" start=\"5\">\n<li><strong> How often should I check my CIBIL score?<\/strong><\/li>\n<\/ol>\n<p style=\"text-align: justify; padding-left: 40px;\">Regularly monitoring your CIBIL score is advisable. You can check it annually or before applying for significant loans. Reviewing your report can help you identify errors, track your progress, and ensure your credit history remains accurate and favourable.<\/p>\n<p><strong>Also, read:<\/strong><\/p>\n<ul>\n<li><a href=\"https:\/\/www.paymeindia.in\/blog\/personal-loan-vs-credit-card\/\">Personal Loan vs Credit Card: Which is the Right Choice for You<\/a><\/li>\n<li><a href=\"https:\/\/www.paymeindia.in\/blog\/how-to-check-credit-card-balance\/\">How to Check Credit Card Balance<\/a><\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><span lang=\"EN-GB\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The CIBIL report is a record of your borrowing behaviour that influences your CIBIL score. A score of 750 or higher unlocks better loan terms, but even lower scores can be improved with diligent effort. What is a good credit score in India? Your CIBIL report tells lenders about your past credit habits. CIBIL score [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":87728,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"13 Smart Ways to Improve CIBIL Score in 2025 - Easy Guide","_seopress_titles_desc":"Learn easy ways to increase your CIBIL Score. 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