Aaj ke time me agar aapko loan lena hai, credit card apply karna hai ya koi bhi financial product use karna hai, toh sabse pehle jo check hota hai wo hai aapka CIBIL score. Ye score ek 3-digit number hota hai jo aapki creditworthiness batata hai. Agar aapka score 750+ hai toh bank aur lenders easily aapko loan approve kar dete hain, aur kam interest rate pe bhi. Lekin agar score low hai toh loan reject hone ka risk bhi badh jata hai.
Toh sawal hai: CIBIL score improve kaise karein? Chaliye detail me samajhte hain.
1. Apna CIBIL Score Check Karein
Sabse pehle step hai ki aapko pata ho ki aapka score kitna hai. Jab tak aap apna score regularly track nahi karenge tab tak aapko pata hi nahi chalega ki kaha galti ho rahi hai.
๐ Aap easily apna CIBIL score check kar sakte ho without paying. Hamne ek detailed guide banayi hai jisme step by step samjhaya hai ki How to Check CIBIL Score in Free.
Sabse pehle jao CIBIL ki official website.
Isse aapko clarity milegi ki aap abhi kaha stand karte ho aur kaise improve karna hai.
2. Time Pe Bill Payment Karein
CIBIL score ka sabse important factor hota hai aapka repayment history. Agar aap apne credit card bill ya loan EMI time pe pay karte ho, toh ye aapke score ko boost karta hai.
- Har mahine due date se pehle apna bill clear karna habit banaiye.
- Minimum due amount nahi, pura outstanding clear kijiye.
- Agar possible ho toh auto-debit option activate kar lijiye.
3. Credit Utilization Kam Rakhiye
Credit card ka limit jitna diya gaya hai, utna use karna zaroori nahi hai. Experts suggest karte hain ki aap apna credit utilization ratio 30% se kam rakhein.
Example: Agar aapke card ki limit โน1,00,000 hai, toh koshish kijiye ki โน30,000 se zyada use na ho. Agar aap hamesha high utilization karenge toh CIBIL score negative impact hota hai.
4. Old Credit Accounts Ko Maintain Karein
Kai log sochte hain ki purane credit card ya loan account close kar dena chahiye, lekin ye galat hai. Aapke old accounts aapki credit history strong banate hain, jo score improve karne me madad karta hai.
- Oldest credit card ko active rakhiye.
- Purane accounts me chhoti transactions karke time pe pay kijiye.
5. Multiple Loan/Credit Enquiries Avoid Karein
Agar aap ek hi time me multiple banks me loan ya credit card ke liye apply karte ho, toh har application ke saath ek hard inquiry hoti hai, jo aapke score ko low kar deti hai.
- Ek hi product ke liye multiple enquiry avoid karein.
- Pehle apna CIBIL score check karein (soft inquiry hota hai, jo score ko impact nahi karta).
6. Credit Mix Balanced Rakhiye
Agar aapke paas sirf unsecured loans (like personal loan, credit card) hain aur secured loan (like home loan, car loan) nahi hai, toh aapka profile risky lag sakta hai.
- Koshish kijiye ki secured aur unsecured loans ka mix rakhein.
- Balanced credit mix se lenders ko lagta hai ki aap responsible borrower ho.
7. Errors ko Dispute Karein
Kai baar CIBIL report me galti hoti hai jaise:
- Loan close hone ke baad bhi open dikhana
- Wrong default entry
- Duplicate accounts
Aisi situation me aapko CIBIL ke saath dispute raise karna chahiye. Agar error resolve ho jata hai toh score automatically improve ho jata hai.
8. Long-Term Patience Rakhiye
CIBIL score ek din me improve nahi hota. Agar aap consistent rahte ho aur above tips follow karte ho, toh 6-12 mahine me aapke score me improvement clearly dikhne lagta hai.
Conclusion
CIBIL score improve karna koi rocket science nahi hai. Sirf aapko apna financial discipline maintain karna hota hai. Time pe payment, low credit utilization, aur regular monitoring se aapka score definitely boost hoga.
Sabse pehle apna score check kijiye ๐ How to Check CIBIL Score in Free, phir upar diye gaye steps follow kijiye. Aap dheere-dheere 750+ score achieve kar paayenge, jo loans aur credit cards ke liye best hota hai.
FAQs on Improving CIBIL Score
Q1: CIBIL score improve hone me kitna time lagta hai?
๐ Normally 6โ12 months lagte hain score improve hone me, agar aap consistent tarike se timely payments karte ho aur discipline maintain rakhte ho.
Q2: Kya credit card band karne se score improve hota hai?
๐ Nahi. Purane credit cards aapki long credit history banate hain. Band karne se score improve nahi hota, balki kabhi-kabhi reduce bhi ho jaata hai.
Q3: Minimum CIBIL score kitna hona chahiye loan lene ke liye?
๐ Generally banks 750+ score ko good เคฎเคพเคจเคคเฅ เคนเฅเค. Agar aapka score 700 ke upar hai toh loan ke chances strong ho jaate hain.
Q4: Agar mera CIBIL report galat ho toh kya karu?
๐ Aap CIBIL website par dispute raise kar sakte ho. Investigation ke baad galti correct ho jaati hai.
Q5: Kya ek hi credit card use karna better hai ya multiple?
๐ Agar responsibly manage kar pao toh 2โ3 credit cards rakhna beneficial hota hai. Ye credit utilization aur repayment history ko diversify karta hai.
โ Ab aapko clear idea ho gaya hoga ki CIBIL score improve kaise karein aur kaunse mistakes avoid karni chahiye.
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