How to Increase CIBIL Score in 30 Days
If you’re wondering how to increase CIBIL score fast, especially in just 30 days, this guide is for you. Before that you must read my story.
In December 2022, I applied for a personal loan — it got sanctioned, but I was shocked to see my CIBIL score was lower than expected. Resulting a higher rate of interest on my personal loan. One of the bank’s credit card sales representative gave me a simple but powerful tip: get a secured credit card.
I followed that advice.
Within just 6 months, my CIBIL score jumped from 700 to 750. That single move increased my credit score.
Table of Contents
What is a CIBIL Score?
A CIBIL score is a 3-digit number (300 to 900) that shows our creditworthiness. The higher your score, the better our chances of getting approved for loans and credit cards at a low interest rates.
What is a Good CIBIL Score?
- 750+ = Excellent (Fast approvals, low interest rates)
- 700–749 = Good (Chances are high)
- 650–699 = Fair (Improvement needed)
- Below 650 = Poor (High risk for lenders)
How to Increase CIBIL Score in 30 Days
Follow these steps to increase CIBIL score quickly:
1. Clear Minimum Dues Immediately
Pay at least the minimum amount due on all credit cards and EMIs to stop further damage. By doing this atleast you save huge money from charging penalty.
2. Reduce Credit Card Utilization
Keep your usage below 30% of the total limit. Example: If your card limit is ₹50,000, spend less than ₹15,000.
3. Check Your CIBIL Report for Errors
Visit CIBIL’s official site and download your report. Dispute any incorrect defaults or overdue accounts.
💡 Bonus Tip: While signing up, you can use referral code 6762C2A Get ₹100 discount on your first CIBIL subscription plan. It’s completely optional, free, and helps support this blog!
4. Use Old Credit Cards Wisely
Don’t close your old credit cards. Instead, use them to build your credit history which helps boost your score.
5. Avoid New Loan Applications Temporarily
Each new loan enquiry reduces your score slightly. Wait until your score improves.
How to Improve CIBIL Score After Settlement or Default
Many people ask: “Can I improve my CIBIL score after settlement or default?” — Yes, you can. Here’s how:
Step 1: Get a NOC from the Lender
After settling a loan, always get a No Objection Certificate (NOC). Upload it to CIBIL if the status isn’t updated.
Step 2: Start a Low-Risk Loan
Take a small secured loan (like a Fixed Deposit backed loan) and repay it properly to rebuild your score.
Step 3: Stay Consistent
It may take 3–6 months to see the full impact, but your CIBIL will gradually increase.
How to Improve CIBIL Score Without Credit Card
No credit card? No problem.
Use These Alternatives:
- Apply for a credit-builder loan
- Get a secured credit card against FD
- Use BNPL (Buy Now Pay Later) options wisely
CIBIL Score Kaise Check Karen?
Aap apna CIBIL score free mein check kar sakte hain:
- Visit https://www.cibil.com
- Register with PAN card
- Verify OTP and see your report instantly
Frequently Asked Questions (FAQs)
What is a good CIBIL score to get a home loan?
750+ is considered good for home loans. It improves your chances of lower interest rates and faster approval.
How much CIBIL score is good for personal loans?
A score of 700 or above is preferred. For better offers, aim for 750+.
How fast can I improve my CIBIL score?
With the right steps, you can see improvement in 30 days. Major changes may take 3–6 months.
Can I get a loan after loan settlement?
Yes, but it’s harder. Rebuild your score using secured credit and consistent payments.
How to increase CIBIL score without a credit card?
Try secured cards, credit-builder loans, or EMI payment history through BNPL platforms.
how to increase cibil score from 600 to 750?
You can increase your CIBIL score from 600 to 750 by paying EMIs on time, reducing credit card usage below 30%, and using a secured credit card. Fix any errors in your credit report and avoid multiple loan applications in a short time.
Final Thoughts
Improving your CIBIL score isn’t magic, it’s about financial discipline. Track your credit report, repay on time, and avoid unnecessary loans. Within a few months, your score will bounce back stronger than ever.
Want help managing your debt? Explore other guides in our Manage Debt category on Cashvanto.com.
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