Bad Cibil Improve in Good

Improving a bad CIBIL score (or any credit score) requires consistent efforts and financial discipline. A CIBIL score is critical for accessing loans and credit facilities, as it reflects your creditworthiness.

Here’s how you can improve a bad CIBIL score and turn it into a good one:

Pay Dues on Time

• Timely repayment is the most significant factor affecting your score.
• Set reminders or enable auto-pay for EMIs and credit card bills.

Clear Outstanding Debts

• Pay off overdue loans or credit card balances.
• Prioritize high-interest debts to reduce financial strain.

Avoid Frequent Loan Applications

• Too many loan applications or credit card inquiries signal financial distress.
• Apply for credit only when necessary.

Professional Help

• If managing debt is challenging, consult a credit counselor or a financial advisor.
• Many banks and NBFCs offer programs to help customers improve their credit scores