7 Secret ways to improve Cibil Score Fast

A good cibll score is very important if you want to get a loan or credit card approved. If you have a low cibil score or credit score. We will show you 7 effective ways or strategies by which you can improve your cibil score fast.

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  1. Monitor Your Credit Report on regular basis
    if Check your CIBIL report regularly it will help you to identify errors in reports. You can raise a dispute immediately to cibil which will help you to improve your cibil score fast
  2. Credit Utilization Ratio (No one ever tells you)
    keep your credit utilization below 50% some experts say its best to maintain it below 30% but in my experience it shows that a 50% credit utilization is as effective as 30.

Pro Tip for you: If your credit utilization is high for a long time, then you call your credit card bank or company to lower tyou credit limit so you can bring down your utilization percentage.

  1. Always Pay Your EMIs and Bills on Time
    If you pay your Emi’s and credit card bills on time. It will help to boost your credit score.
  2. Loan or credit card application

Don’t keep on enquiring for credit card or loan every month. As it will bring you credit score down, one enquire in a month is fine but don’t enquire more than one whether it is your credit card or online loan apps.

  1. Building a Healthy Credit Mix.

Credit mix is usually of two types secured and unsecured. Keep a balance of it. Secured loans such as home loan. Mortgage loan or car loan are good for your credit health

  1. Secured Credit Cards is the best option.
    If you have a low CIBIL or credit score, apply for credit card with a secured fixed deposit. It is the secret weapon that is used my most people to improve credit score.
  2. Prepayment of Small Debts
    Do part payments of prepayment so small loans which will bring down your emi and your credit utilization ratio which has a tremendous positive effect on credit scrore.

Bonus Tips to improve cibil score fast and Maintain a Good Score

Avoid Closing Old Accounts:

Older accounts are one of the major factors that helps to contribute to your credit history length.
Check for Unauthorized Activities: such as loan or credit card enquiries. Always Ensure that there are no fraudulent activities are listed on your report.

Improving your CIBIL score takes time so it requires patience and consistent efforts. By adopting these proven strategies, you can improve your cibil score  and enjoy better financial opportunities.


Additional Strategies thstto Boost Your CIBIL Score
Improving your CIBIL score doesn’t stop at the basics. Here are some advanced and lesser-known tips to ensure a steady improvement in your creditworthiness:

  1. Always Negotiate with bank for lower interest rates
    If you don’t have money and you’re struggling to repay your loans, then communicate with your banks and finance companies to restructure repayment terms. Many bank and finance companies are willing to extend payment due dates or reduce interest rates or give you additional time, which will help you to prevent missed payments and protect your cibil score from going down.
  2. Large Purchases on Credit Card
    Instead of using your credit card for one-time big purchases, always opt for converting such big purchases into EMIs which you can easily pay. This will help you to reduce the burden of paying a lump sum amount and ensures timely repayments of loans.
  3. Settling Loans vs closing loans
    Many people are unable to pay a loan in full or pay their Emi so they do settlement, avoid loan or credit card to be marked as a “settled” status in your credit report. While it closes the account, it reflects poorly on your credit report. Always try for “closed” status by repaying the full amount.
  4. Guarantor or Joined loans :

If you have a joint home loans or credit card, ensure the main borrower makes timely payments. Emi Defaults on such loans will hamper your CIBIL score as well.

  1. Small Loans
    If your credit score is very low or is -1, always consider taking a small personal loan form loan apps or a consumer loan or secured credit card. Make sure you pay it off timely Emi;s it wiwll build trust with bankers, it will good credit history.
  2. Credit Cards
    Always try to Pay off your full credit card balance each month instead of the minimum due. As paying minimum due will pay off interest and the balance will remain as it is.Don’t fully use your credit cards; always try to utilize only a small amount of the available limit.
    Keep your oldest credit card active to maintain a longer credit history.

  3. Unsecured Small Loans
    Loan apps are providing personal loans very easily and hence they are easier to get, they come with high-interest rates and which will strain your finances or increase your monthly expenditure. Always Limit their use unless absolutely necessary.
  4. Loan Repayment
    Create a Budget for repayments of loan emi’s If you have multiple loans, always prioritize them by higher interest rates and repayment terms. Focus on closing high-interest loans first to reduce overall debt burden.
  5. Discipline
    Achieving a good CIBIL score doesn’t mean you can do whatever you want. Keep up your disciplined financial habits to maintain and further improve your score by not taking unnecessary loans and credit card usage.

Common Mistakes people make While Improving CIBIL Score.

Short-Term Fixes: Improving your credit score is a slow process. Avoid scams or credit services that promise quick results. Like they will remove your name from Cibil, remove settled or written off loans and cards

Repayment Notices: if you do Not addressing repayment notices, it can lead to legal complications which will negatively affect your credit report.

Closing Accounts: While it’s tempting to close all your cards and loans but, closing too many loans or cards at once can shorten your credit history.


A strong CIBIL score is a foundation of better financial life, you can get low low-interest loans and high-value credit cards. By adopting these strategies to repair your credit score, you can not only recover from a low credit score but it also establishes a stable financial profile for the future.

Always Remember, consistency, and financial discipline are required and they are the keys to long-term success in improving and maintaining your cibil score.

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