{"id":1493,"date":"2017-09-15T09:29:59","date_gmt":"2017-09-15T09:29:59","guid":{"rendered":"http:\/\/www.trimurty.com\/blog\/?p=1493"},"modified":"2025-03-29T07:09:22","modified_gmt":"2025-03-29T07:09:22","slug":"6-tips-improve-cibil-score","status":"publish","type":"post","link":"https:\/\/www.trimurty.com\/blog\/6-tips-improve-cibil-score\/","title":{"rendered":"6 Tips to Improve Your CIBIL Score"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">CIBIL (<\/span><a href=\"https:\/\/www.cibil.com\/\"><span style=\"font-weight: 400;\">CREDIT INFORMATION BUREAU [INDIA] LIMITED)<\/span><\/a><span style=\"font-weight: 400;\"> is India\u2019s first Credit Information Company. It collects and maintains records of payments pertaining to loans and credit cards. These records are submitted to CIBIL by member banks and credit institutions, on a monthly basis.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This information is then used to create Credit Information Reports (CIR) and credit scores which are provided to credit institutions in order to help evaluate and approve loan applications.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Ways to Improve Your CIBIL Score<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Let\u2019s understand 6 key ways through which you can improve your <\/span><a href=\"https:\/\/www.trimurty.com\/blog\/home-buyers-guide-can-improve-credit-score\/\"><span style=\"font-weight: 400;\">CIBIL score<\/span><\/a><span style=\"font-weight: 400;\"> \u2014<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">We should properly plan our <\/span><b>credit card<\/b><span style=\"font-weight: 400;\"> spend and payment: It is common to use credit cards for most of our purchases, but we should ensure that we are paying it on or before the <\/span><b>due date<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Let\u2019s avoid a heavy outstanding in our credit cards, it will affect our credit score slowly. We should keep it within <\/span><b>30 to 35%<\/b><span style=\"font-weight: 400;\"> of our credit card limit.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mostly we will be getting call from the bank to increase our limit in the existing card. We can take that, since these calls are made after verifying credentials and also will help us to stay within our<\/span><b> 30%<\/b><span style=\"font-weight: 400;\"> credit limits.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Do not have <\/span><b>more than two cards<\/b><span style=\"font-weight: 400;\">, and always try to use the oldest credit card. Effective use of older cards will increase the CIBIL score.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">We need to pay our secured or unsecured loan EMI promptly. <\/span><b>Try not to miss any instalment<\/b><span style=\"font-weight: 400;\">. Always try to use the part-payment option if available. It will help us to finish your loan faster and also help to improve your CIBIL score.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Let us not apply for loans or credit cards just to check your eligibility, that too in multiple banks. <\/span><b>This will badly affect our score, as our credit score gets deducted for each application we sign<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Final Words \u2013 Seamless Finances with Trimurty Group<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">All the projects of <\/span><a href=\"https:\/\/www.trimurty.com\/blog\/features-set-apart-trimurty-market-players-2\/\"><b>Trimurty Group<\/b><\/a><span style=\"font-weight: 400;\"> are backed by loan facilities from leading banks and financial institutions like SBI, HDFC, ICICI Bank, LIC Housing Finance, CITI Bank, Axis Bank, etc. You may avail flexible and hassle-free finance options for residential and even commercial property purchases.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Frequently Asked Questions<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">1. What is a credit score, and why is it important?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">A credit score is a number that shows how good you are at repaying loans. A high score makes it easier to get loans.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">2. Does having multiple credit cards affect my credit score?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Yes, too many cards can lower your score. It\u2019s best to have one or two and use them wisely.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">3. How can I quickly improve my credit score?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Pay EMIs on time, use only 30-35% of your credit limit, and avoid applying for multiple loans.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"CIBIL (CREDIT INFORMATION BUREAU [INDIA] LIMITED) is India\u2019s first Credit Information Company. It collects and maintains records of&hellip;","protected":false},"author":1,"featured_media":1494,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"csco_display_header_overlay":false,"csco_singular_sidebar":"","csco_page_header_type":"","csco_page_load_nextpost":"","csco_post_video_location":[],"csco_post_video_location_hash":"","csco_post_video_url":"","csco_post_video_bg_start_time":0,"csco_post_video_bg_end_time":0,"csco_post_video_bg_volume":false,"footnotes":""},"categories":[1],"tags":[],"class_list":{"0":"post-1493","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-property-investment","8":"cs-entry","9":"cs-video-wrap"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>6 Easy Tips to Improve Your CIBIL Score | Trimurty Builders<\/title>\n<meta name=\"description\" content=\"Want to improve your credit score? 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