CIBIL score (Credit score) improve karne ke liye aapko apne financial habits mein kuch important changes karne hote hain. Yahaan kuch effective tips diye gaye hain:
1 .Time par loan/credit card bill ka payment karein
Hamesha due date se pehle ya time par payment karein.
Late payment se CIBIL score negatively impact hota hai.
2. Credit utilization kam rakhein
Apne credit card ka limit ka 30% ya usse kam hi use karein.
Jyada utilization se lagta hai ki aap heavily dependent hain credit par.
3. Old credit accounts ko close mat karein
Purane accounts aapka credit history strong banate hain.
Unhe band karne se score par bura asar pad sakta hai.
4. Multiple loans/credit cards apply na karein ek saath
Har baar jab aap loan ya card apply karte hain, ek “hard inquiry” hoti hai.
Zyada inquiries se lagta hai ki aap financially stressed hain.
5. Mix of credit rakhein
Thoda secured (like home/auto loan) aur unsecured (like credit card) credit ka combination achha hota hai.
6. Credit report check karte rahna
Apni CIBIL report saal mein ek baar free mein check kar sakte hain CIBIL ki website se.
Agar koi galti ho to usko dispute karke correct karwa sakte hain.
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