How to improve Cibil score in Tamil | How I improved my cibil from 450 to 765 | Nivas Narasimhan |
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- Опубликовано: 21 апр 2022
- How to improve Cibil score from 450 to 765.
How To Improve CIBIL Score With These 7 Smart Ways
How To Improve CIBIL Score In 7 Smart Ways?
Have a low CIBIL score? How to improve CIBIL score?
how to improve credit score?
It pays to have a good credit score. A high score can get you better and quicker loans. However, a low CIBIL score can be terrifying for those individuals who have an urgent need for money; this can affect their borrowings adversely.
#cibilscore @creditscore #transunioncibil
There are many ways to get loans, the criteria of which is totally grounded on the size of the loan, that is the amount required by the borrower. However, today all banks are compulsorily required to verify the CIBIL score of applicants of all financial products of credit, namely Personal Loans, Credit Cards etc. Even though at times the individuals may have a low CIBIL score, there are ways to improve CIBIL score.
In India, CIBIL is one of the leading credit rating agencies. Banks and financial institutions use the CIBIL credit score as a reference point to evaluate the credit-worthiness of borrowers. A score of 700+ is considered excellent. Anything lower than that and you will face problems getting loans quickly.
How to improve CIBIL score quickly?
All is not lost, though. You can build up your credit score with these seven smart moves. However, you need to practice these moves regularly and keep a tab on your Personal Loan EMIs and Credit Card monthly payments.
Smart Move #1
Pay your dues on time: Missed an EMI? Delayed your Credit Card payment? Then get organised. You should set reminders for your payments and be disciplined with credit. Your settlement of outstanding debt can have a considerable impact on your credit score. Payment delays for EMIs not only force you to pay the penalty but also lower your credit score. So if you are looking to improve CIBIL score pay your dues on time and rack up a good score. Use service that let you automate bill payment so that you don’t have to worry about missing deadlines.
Smart Move #2
Too much is, well, too much: Use credit prudently. Avoid taking on too much debt at one time. The number of loans you apply for, during a fixed time period should be minimal. To keep your credit score from crashing, repay one loan and then take another. If you opt for multiple loans at the same time, it will be evident that you are in an unforgiving cycle with insufficient funds. As a result, your credit score will decrease further. How to improve CIBIL score immediately? When you take a loan, repay it successfully, it will give your credit score a boost.
Smart Move #3
Maintain a healthy credit mix: It is better to have a right combination of secured loans (such as Home Loan, Auto Loan) and unsecured loans (such as Personal Loan, Credit Cards) of a long and short tenor to build a good credit score. Too many unsecured loans may be viewed negatively.
Want to apply for personal loan, click here to get started.
Smart Move #4
Apply for new credit within your limit: You don’t want to give the impression that you are continuously in need of credit. Only apply for new credit if you need it and can repay it as opposed to wanting it. Too much debt can affect your credit score also.
Smart Move #5
Monitor your co-signed, guaranteed and joint accounts monthly: In co-signed, guaranteed or jointly held accounts, you are held equally liable for missed payments. Your joint holder’s (or the guaranteed individual) negligence could affect your ability to access credit when you need it. It is recommended to avoid becoming a joint account holder or a guarantor of loans.
Smart Move #6
Review your credit history frequently throughout the year:
How to improve CIBIL score? Monitor your CIBIL score and Report regularly to check for any inconsistencies. At times, CIBIL may make mistakes when it comes to updating your records, incorporating incorrect information against your report and delay in recording details. Sometimes a loan you may have repaid may not have been updated on the credit report, which could have a negative impact for you. If you notice such errors, get them rectified instantly.
Smart Move #7
Build up a good history gradually: Debt is, often, essential. But the idea is to take the right kind of debt, use it prudently and service it well. The trick is to have a lot more credit and keep your utilisation low to leave a positive impact on your score.
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Thanks
Superb sir
Super bro all the best
Informative video !
Thank you Gowtham
super usefull sir. 💯
Thank you Abi Antony
Super good idea very well
Thank you
Great video Brother, Informative...
Thank you
Very useful video sir
Thank you janaki raman
Thanks brother
Welcome bro
Super sie...!!!
Thank you
Really helpful
Thank you Aruna
Nice
I made the same and corrected like you. will be informative to others.
👍Great
Very good 👍 sir
Thank you
Thank u sir , very informative for me I've made some mistakes and becoz of that my credit score became low this is my frst year of my job and I've got good idea on increasing my CIBIL score now ,I'll start it now itself....Thanks a lot sir
Welcome bro. Knowing good things early is very good. Start investing in mutual funds. You should start atleat 20% of your monthly salary in Sip
Thanks anne
Welcome ma
Hi sir...Namma perla mathavanga loan eduthurkratha epdi sir check pandrathu
Helo sir my cibil report la naa vaangadha loan lam katudhu dispute raise panalum resolve aagala
Naa endhaa credit acc um open panla enna pandradhu yaravadhu help panungaa 🙏🙏🙏🙏🙏🙏
Credit card amount AI minimum payment கட்டாமல், இஎம்ஐ amount கட்டினால் cibil score குறையுமா? .. sir...
Always pay outstanding amount
Eppdi bro check panni close panrathu
Hi sir I have a doute, till date I don't have any lone and cridit card to but my cibil score is 300, kindly tell me how to increase cibil score
Sir mine is 730 how many months to take to reach 850 and in what cibil will i get credit card
Brother ,
Enaku 2 bank loan poitu irukku and jewels la adamanathula irukku and oru 2 intrest ku money velila vangi iruken then credit card Sbi onu poitu iruku …ippo enaku big loan apply panni ellathaiyum settlement pannalam nu loan ku apply panna cibil score kammiya irukunu reject panitanga …(ippo enaku odaney loan theva paduthu …ithu ethachu solution kedaikuma ? Ethachu Adv patha solution kedaikuma ?
my credit card bill late payment will be charged and suddenly I pay that amount, so i ask to bank late payment not show in cibil tell,but I confuse
Hello sir ,incase suite field wriiten off.how can i improve cibil score
Sir en account la verum transaction matum thaan panran but 450 thaan iruku na loan kuda ethum vangala, credit card illa en sir?
Hi brother, Na Manapuram la 27000 ku gold loan vachiruken, Nothing other than that. And monthly interest ellame crct ah pay pannitu dhan iruken. But, Ennoda cibil score last 6 months la 43 points koranju ippo 675 la iruku. I don’t know what’s the reason for decreasing. How can i find? pls help me to resolve this problem
Hello sir, i had a backlog of my education loan, i cleared my total loan amount 2 month's back, two months back my CIBIL was 589, since i cleared my loan my CIBIL increased 589 to 665 now... In CIBIL account also saying 0 loans.. So this is the third month, so my CIBIL score will increase in this third month... Or i should another way to increase the CIBIL score, like gold pledge, two wheeler loan etc.
Sir
My cible score is 96 how to increase
Sir enaku cibil 6 loan kattothu sir aana antha loan ellam online loan sir Enna padrathu sir please help me kredi bee, front loan app ,akara finence, Enna padrathu sir
Brother na BOI bank le loan vangale ana
loan irukn one score app le katdh cibil score kammi agedhe
Oru Idea solungo Brother
Logon to Transunion cibil and register a disbute
Very useful and good information
Thank you
I closed my education bank account fully 6montha before. Got noc also. But not updated in cibil. How to resolve this issue?
Raise a dispute in transunion cibil website
Hi sir one doubt. At this time lumpsum like 3 lakhs for 3 years ku invest panna endha maariyana fund better.. like 11% of returns
Hi jagadesh, minimum 5years you have to wait in Equity mutual funds. Invest in Blue chip funds or in Aggressive Hybrid funds for onetime investment
@@nivasexcites thanks for the reply
🙏
Hello sir, Thanks for your good guidance. How many days it will take to remove write off status from my cibil If I pay full payment? Sir help me , to solve
45days
Nan 3 credit Card Settlement panten
RBL CARD
HDFC CARD
SBI CARD
But written of mark agirku outstanding kamikithu Eppadi Return off Remove pandrathu bro
You cant remove written off. Pls settle that also in future.
If we don't settle those waived amounts, will it not be possible to go for other loans in future??? Cos it were alarmingly high and due to covid we settled those outstanding.
Thanks a ton for your wonderful video...
Hello sir. Can you please suggest good FD option to get credit card
I did it with Icici bank
Sir cibil 653 irunthal loan kidaikuma?
Doubtful..it's low
Helo sir, en husband 10 years back credit card vangirkaru, Avanga friends kids Nambi kuduthu Niraya use panitu Katala, again Enaku therinja varai amount settle panitom. ivlo yrs no credit card. IPO housing loan apply pana cibil 653 kaatuthu. Citibank LA outstanding due kaatuthu. IPO epdi cibil score increse panrathu. And home loan kidaikuma
Same situation for me. 628. All dues closed. Need home loan
Hai sir
I have 3 loans showing
Like flipkart paylater
Dhani loan one freedom card(2) loans showing
I am paid in August still
Active showing
How much time close loans
Default loans showing my cibil now
It will take 3months to update
Hi bro en pan card LA entha loan edukala cibil NH nu katuthu athu yeppadi cibil varavaika mudium Konjam sollunga bro
Buy any usful product in zero cost EMI. Like mobile phone or any household products.
I have taken home loan. Before I registered the property I came to know that the property is not in clear title. But the seller received Noc for that loan. So can I approched bank to recall that loan or surrender the property to bank
Approach the bank to recall the loan
@@nivasexcites Sir. Thanks for your valuable words. But seller received noc for that loan. Still this is possible sir
Sir enoda cibil score 333 bike loanla epdi ayuduchi edhu epdi cibil ethalam konjm sluga
Watch the video and follow things i said..
Bro, Write off ah future la Amt pay panni remove panniklamah? Future la heavy penalty varum ah? Ipo expense correct ah iruku, 6mnthsla clear pannita write off remove aagirum ah?
Yes you can do like that. But close fully as soon as possible.
Cibil score above 800but apply PL loan but it was declined.
Personal loan has various factors like you current EMI, old loans and income etc.
Sir... App loans like mpocket and truebalce is it safe to use if pay the EMI amount properly.?
What is the need for those App's? Interest are very high..
Hello sir.
My name is sathish Kumar. I have applied home loan for 30 lakhs in PNBHFI. The loan is sanctioned and disbursed to seller. After we came to know that the property not is eligible for uds and construct with approval. Can I revert my loan. Or is there any impact in my cibil if I'm surrender the property to bank
Contact the branch and cancel the loan
Thank u sir, sir ennoda HDFC credit card last 6month sariya kattala ipa settlement panni tharen kammiya solluranga. Kattalama illa full amt katti sari pannalama
Don't do that. Settle fully.
can you let us know how to check cibil score free
Paisabazaar.com
Hello sir,
Thanks for the video. I use to have long history for 12 years with no defaults but last week I missed 2 ICICI cc minimum amount due one is 110 other is 100 and paid 7 days after due date will my credit score affect much or will it reflect in default list even paid after 7 days minimum amount. Pls help me.
Never pay minimum due. Pay full amount always..
@@nivasexcites thanks sir I paid full amount will it affect my score as days past due 6 days
@@karthicke3535 yes it will affect. But pay regularly for next 3months. It will automatically improve.
Sir one Doubt first step u payed older settlement due which u settled with bank after years or u settled new loan with was due?
Another one after settlement of loan with partial amount what is the first step to improve cibil score after one or two year is to get credit card and use it right way ?
Hi vivek, we have to close the smaller loans first. Then bigger loans. Finally we have to close everything and then only our score will improve.
Sir credit card personal loan month 10 times enquiry pannianan but my cibil score not low why my cibil score 786
Brother, i have shared my experience. Everyone has their own experience..happy for you
Bro TNGB ல் gold loan வாங்கி 1 year முடியும் முன்பே close பண்ணினேன்.1 score கூட எறல.gold loan வாங்கும் போது மட்டும் 8 score குறைகிறது.on time pay panninalum 1 score kooda எறல.ஏன்? 2active gold loan cibil alert ல் மட்டும் காட்டுது.ஆனால் cibil credit report ல் வரவில்லை. ஏன்?pay later close பண்ணினால் cibil குறையுமா?
It will take 2months to reflect in Cibil
6 மாதம் wait பட்டியலும் score எனல்.alert ல் மட்டும் gold loan காட்டு கிறித்து.credit report ல் காட்டவில்லை.ஏன்?
Anna na credit card due korana timela kattae mudiyamae settlement option pogi settlement panniten ithuku mela na loan vanga mudiyathae settlement poga balace amount katinal cibil clear agidumae
Yes. You have to settle balance amount also
Sir oru doubt,na 2 online instant loan vangirthen apa iruntha mobile number ila sir,cibil check panavum mudiyala sir athu ilama antha loan ellam epdi clear pandrathu....
Visit transunion Cibil website and pay monthly or 6months subscription.. You will get full list
@@nivasexcites old mobile number ila sir epdi pana mudiuma sir.....
Hi Sir, need your kind advise. I have taken education loan in SBI 4 years before due to some issues I have not paid money for 36months. However I have closed the loan(waived off by paying some amount).
This year I tried to take bike loan but it is rejected due to my cibil is 620. So, can I open FD account on the same Bank SBI!? Will I get credit card. If any other advise please let me know.
Approach SBI and close education loan completely. That is the permanent solution
@@nivasexcites Sir yesterday visited, he said loan has been closed. I also got a NOC certificate from the Bank May 2023.
Ok. Follow the points I told in the video to increase cibil score
Sir Myself Banu. Ennoda daughter ku education loan in sbi vanganum but ennoda husband oda cibil score is just 450 , oru three dues of amount 15,000 pay pannala sir so how to improve my husband's cibil score to 600 sir . Ippo naanga andha balance 15,000 pay pannita evalo months la cibil score 450 to 600 aagum sir . Kindly reply me sir. It is regarding my daughter's education
First clear that amount.. Then it will improve automatically.. And try to follow few things which i said in the video..
Hi sir how to apply trans union cibil to monitor my cibil records? 12:04
First download cibil in paisa bazaar website. Identify the unpaid dues and pay through proper bank or credit card company which manages the old payments
Very informative video sir. One doubt pls. If we open new credit card in hdfc is our credit scores will increase? Something people said 5 or 10 points will gets added into cibil because of new credit card. Pls kindly confirm. I m really need some expertise on this.
Yes. It can increase. But dont use morethan 30% of credit card limit.
@@nivasexcites if we open fd against credit card of rs 2000 help to increase cibil score 10
Yes. Minimum FD is 20000.
@@nivasexcites 2000 or 20000
@@st-cr4gc 20000
Cibil score பார்க்க அரசு அனுமதிக்க பட்ட அங்கிகாரமான இணைய தளம் எது சார்? அதற்கு எப்படி கட்டணம் செலுத்த வேண்டும்
Transunioncibil.com
நன்றி
சார், தாங்கள் கூறியது போல் சிபில் கணக்கு திறந்து சரிபார்த்து கொண்டேன். ஆனால் இமெயில் முகவரியில் ஒரு எழுத்தை தவற விட்டு விட்டேன். இமெயில் முகவரியை எப்படி மாற்றம் செய்வது. நன்றி
Hello sir. I need to change the email address in my CIBIL account. How to do it?

Sir oru cheque bounce ayiduchu due already paid but today again nach la potu insufficient nu reject panitaga ethu cibil a effect aguma and ethu enoda thapu ila cheque bounce charges cancel pana mudiuma
It will not affect your cibil. Check with your loan provider to refund charges
@@nivasexcites pesina sir athu update agaatha nala reject thanu solraga fine 1k vandhuruku nethu reject panerkaga endha oru reject cibil a effect aguma sir and thanks for replying me ethu dmi finance air theriama athula loan vangita romba frustrated a iruku endha finance nala
Score not show bro 😪
Sir Cibil score check pannumpodhu decrease aaguthunga sir......Score decrease aagama epdinga sir check pandrathu
You can check in paisabazaar
Sir, usually after backlog clearance, after 3 rd month only CIBIL will increase? My CIBIL increase 589 to 665 in second month... So is there a possibility of cibil improvement in third month... Or should i approach other way to increase the CIBIL... Pls help me for the same
Hi Latha, i have shared my experience here. It usually takes 3months to increase. But don't stop with 1step. Try multiple small things to improve your score.
Ya sir. Thank you.. Just needs to know CIBIL score will increase every one month? or its increase every week, 10 days etc... And if we check cibil two days once means, for that reason cibil will reduce? Just needs to know sir. Thanks for ur valuable comment
@@lathgow1990 only if you take any new step, it will increase. Just pledge a gold loan and go for instant creditcredit card with FD. Then pay it properly. It will improve slowly
Ok sir.. Thank u, but the same time applying pledge gold and applying a credit card with based on FD, like both same time if i proceed its does not affect the my current CIBIL score..
@@lathgow1990 it will only increase cibil. Or otherwise try one month after another.
Hi sir,
I don't have loan andemi but my score is 714, please suggest me the way to increase this score
thanks
Hi Mohamed, I have told whatever I learned in the video.
@@nivasexcites I will follow the same and I’ll let you know 😊
Sir credit card iruku but use panama iruntha cibil score kami aguma
Very rarely it happened to few clients. Pls use it for grocery purchase and fuel. Then pay it immediately when you get salary. If you are not going to use it, cancel the card.
Sir.....Ennoda Cibil score above 350 irrukku..........But naa vaanguna ella loan uhh last week close aaguidichii......ippo endha backlog uhh illa but cibil score 350 tha irrukku .....ippo enakku loan kidaikkimanga sir.
It will be updated in Portal after 30 to 60days only. So it will improve slowly
@@nivasexcites Sir one week la enakku loan Venum sir.......Loan kuduppaangala sir ???? Illa Cibil score increase aagura varaikku wait pannanumanga sir...
My credit score shown on no score why
If you have not bought any loan, it will show like that only.
Sir .my cibil score low ...how to increase sir....
Pls Watch full video. Whatever i know i have spoken in the video.
Sir, currently i have a education loan, i have a backlogs like 4 to 5 yrs i m not paid... So if i clear my total loan amount now means, is there a possibility of increase my CIBIL score?
Yes. It will improve.
How many months it will take.
@@lathgow1990 3months it will take
Ok sir. Thank u for information
@@lathgow1990 mam r u cleared the loan and the cibil is increased or not
Bajaj Emi card kkum nenga solluran 30% um porunthuma.....
Its not applicable
My education loan suit filed it's affected my cibil score
If you have closed completely. Pls get a letter from the bank. And raise a dispute in Transunion cibil website
@@nivasexcites No I am not closed fully.
@@sureshkumaranbalagan8986 bro loan close panitingala cibil evlo iruku
Superb - Mine 333 to 762(cibil score) 🙂
Great. Best wishes
How many months it took to improve score?
@@GunaSekaran-ri7nx 1year
My relationship manager from HDFC Bank told me if we check cibil score frequently it will reduce the score. Is it true sir? Thanks in advance
Go for paid version in transunion Cibil website.
Hi sir yanoda husband before personal loan lockdown la sariya pay Panama cibil ipo 680 vanthuduche and then nanga Bls amount ah bank la settlement kuduthu close panitom then ipo home loan needed ah iruku maximum bank and finance la kuda try paniyache but not possible to give , need some suggestion plz ithukapram life la yapavume loan yaduka mudiyatha ila anything possible?
Try Repco bank
Sir send ur mail id ...have few doubts reg loan settlement
Nivas@excitemutual.in
I have 720 in cibil but 530 in equafax how sir
Don't worry about equafax. Transunion cibil is the correct one. Clear all your pending dues, if any.