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12 Sure-shot Ways to Improve CIBIL Score


There are four credit bureaus authorised to generate credit reports in India, of which TransUnion CIBIL is one. The CIBIL score ranges from 300 to 900. The higher the score, the better your creditworthiness. How to improve CIBIL score? If your CIBIL score is running low, don’t worry. Apart from checking your Cibil Score Online and keeping track of it, there are many other ways you can improve your score. Below are 12 sure-shot tips you can use to improve your CIBIL score.

12 Sure-shot Ways to Improve CIBIL Score

1 Maintain a healthy secured-unsecured debts ratio

Loans can be secured or unsecured. Taking too many unsecured loans is seen as a red flag, decreasing your creditworthiness. Maintaining a forward-going CIBIL score is better for maintaining a healthy balance between unsecured and secured loans for your financial requirements.

2. Do not apply for loans too frequently

Keeping the frequency of loan applications low can improve your CIBIL score to a great extent as credit bureaus take those into consideration too. 

3. Assess your credit report from time to time

Having errors in credit reports is a common occurrence, as such issues have been widely reported. Therefore, checking your Cibil Score Online and keeping a check on any possible errors to look for any inconsistencies is important so that you can get those rectified instantly and maintain a good CIBIL score. 

4. Pay your payments and instalments on time

If you delay your payments too frequently, it will lead to a decrease in your CIBIL score. Therefore, you must make it a priority to pay your dues on time. If you tend to forget the due dates, you can use technology to your advantage by setting a reminder on your smartphone. 

5. Do not take risks until absolutely necessary

Never miss out on credit card payments. If you do, it can lead to stress on your credit profile as the credit report immediately points out risks in a borrower’s credit history. 

6. Request for higher credit limits

If you need to make hefty transactions with your credit card, it is wise to request a higher credit limit. This way, you can decrease the stress on your credit utilisation ratio while maintaining a good CIBIL score. 

7. Maintain Old Debt Records

Your past credit behaviours are taken into consideration while calculating the CIBIL score. Therefore, you must maintain a history of your old debts and keep your old accounts active even if they are no longer in use. 

8. Keep Multiple Credit Lines Active

The lender evaluates your credit report every time you apply for a new credit line. This evaluation is called a hard inquiry. Too many of these hard inquiries within a short time period can affect your CIBIL score adversely. 

9. Always pay the full EMI amount

Paying off the minimum amount of the due racks up a lot of debt in the long run. The remaining amounts payable will accumulate and reduce your CIBIL score. 

10. Pay Off Your Card Balance through Personal Loans

Personal loans tend to have lower interest rates than credit cards. Therefore, it is a wise decision to pay off your credit card balance followed by paying off the personal loan via regular, monthly EMIs.

11. Stay Consistent

Increasing your CIBIL score demands persistent effort, frequently checking your Cibil Score Online, and taking measures to improve it. It can’t be achieved over a short period of time. Therefore, it is important to stay patient while working towards increasing your score. 

12. Request for a longer repayment tenure on loans

Whenever you opt for a loan, choose a longer repayment tenure so that your monthly EMIs are manageable and you can avoid delays in repayments.


Now that you are acquainted with How to improve CIBIL score, you must not waste time. Start taking measures to improve your score today. If you follow proper practises, there is no reason why you can’t increase your CIBIL score from 500 to 750.

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