How To Improve CIBIL Score 2025 | Kharab CIBIL Ko Kaise Sudhare ? | Credit Score
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- Опубликовано: 5 фев 2025
- About This Video :
In This Video we have discussed of credit score. Now A credit score is a numerical representation of a person's creditworthiness, which is used by lenders, such as banks or credit card companies, to evaluate the likelihood that the individual will repay borrowed money. The score is typically based on a person's credit history, including factors such as:
Payment History: Whether the person has paid bills and loans on time.
Credit Utilization: The amount of available credit a person is using compared to their total credit limit.
Length of Credit History: How long the person has had credit accounts open.
Types of Credit: The variety of credit accounts, such as credit cards, mortgages, or auto loans.
Recent Credit Inquiries: How often the person applies for new credit.
Credit scores usually range from 300 to 900, with higher scores indicating better creditworthiness. A higher score can make it easier to qualify for loans, mortgages, and credit cards, often at better interest rates.
Improving your CIBIL score (Credit Information Bureau India Limited score) involves a few key strategies to demonstrate responsible credit management. Here are some steps you can take:
1. Pay Your Bills on Time
Ensure you make timely payments for credit cards, loans, and other bills. Late payments negatively impact your credit score.
Set up automatic payments or reminders to avoid missing due dates.
2. Reduce Credit Card Balances
Keep your credit utilization ratio (the ratio of credit used to credit limit) below 30%. If you have a high balance on your credit card relative to your limit, pay it down as soon as possible.
3. Avoid Opening Too Many Credit Accounts
Each time you apply for credit, a hard inquiry is made, which can slightly lower your score. Too many inquiries in a short period can make you look risky to lenders.
4. Maintain a Healthy Credit Mix
A balanced mix of secured (like a car loan or home loan) and unsecured (credit cards, personal loans) credit accounts can help improve your score, as long as you manage them responsibly.
5. Check Your Credit Report for Errors
Regularly review your CIBIL report for any inaccuracies or errors, such as incorrect payment statuses or outdated information. If you spot errors, dispute them with CIBIL for correction.
6. Clear Outstanding Debts
Pay off any overdue debts, including collections or late payments. Reducing outstanding balances shows a responsible credit history.
7. Avoid Closing Old Accounts
The length of your credit history is important. If you have old accounts with a positive payment record, keep them open to help improve the average age of your accounts.
8. Request a Credit Limit Increase
If you have a good track record with your credit cards, request a limit increase. This can reduce your credit utilization rate, as long as you don’t use the additional credit.
9. Take a Small Loan and Repay It on Time
If you're new to credit, you might consider taking a small loan (like a secured loan or a small personal loan) and ensuring timely payments. This helps build a positive credit history.
Improving your CIBIL score takes time, so be patient and consistent with your credit management practices. Regularly checking your score and maintaining good habits will gradually raise your score
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Aap batate ho repeat kar kar ke anari banda bhi samajh Jaye ga asani se lekin mujhe bahut jada preshani hoti hai but good 👍
iska mtlb tu hi impatient anari
Brother, I have watched your video two to four times so that it gets into my mind properly. Your way of explaining is commendable. I pray that you always remain happy.
Nice video😊👌
December me mere civil score 816 tha
Maine Flipkart se 19000 ka phone liya credit card ki limit 20000 thi
Ab mera civil score 755 😢hogya payment bhi ussi din kar di thi
Bro bajaj card se lena chahiye tha aur payments on time krte rehte hai toh cibil score jyada hota
Bro tumne 90% limit use kar liya, isiliye CIBIL down hua
Bhai ak aisa video banao na jis me bataye hon ki credit card lene ke baad kaise use kare phr kaise bill aayega awor kaise payment kare sb Kuch ho please 🙏❤
So could you please make a video on loan against shares
I watched this video before today.. Accha hai ye bhi
*राम* *राम*🙏🙏♥️♥️♥️
Purani video hai
Khub valo video
I like your presentation
Please make a video on UPS (Unified Pension Scheme) and which is better b/w NPS & UPS 🙏
There was no need to re-upload this video
Sir apna proper transection history kaise banaye ye batao... Loan ke liye important hai......
Sir please make a full detailed video on Federal bank signet credit card🙏🙏
Sir best bank account for minor par video banao😊😊😊
Please make vidoe on what is best way to receive money from abroad clients?
as there are lot of Apps like Wise etc. and if we receive by Wire if Current a/c is better or savings as there are more charges for savings.
There is no proper info for it online.
Bahi ye batao aap kya saving account me credit card le sakte hai kya bahi batao please 😢.?
Or aap ke video mujhe bahut acche lagte hai bahi
Brother I searched on google and read many articles, most of them says that the missed payments marks etc on the credit report i.e. CIBIL stays for 7 years only. After that lender will not be able to see past missed payments etc. Is that true?
To cover 1 default payment how many correct transaction needed to do ?
Does credit card loans also make the history? just asking from credit loans prospective please reply :)
Bhai re-upload mat karo , jinhone pehle dekhi Hui hai wo bore honge including me , aur fir ham starting ki 1 minute ke baad ni dekhenge , fir usse RUclips ke algorithm ko lagega ki ab aapke content mein dam nahi rahi , to fir aage se aapki videos recommend hona bahot kam ho jayengi
One question sir, How i check my Cibil Score?
Sir please reply me . Agar default loan ka settlement kar ke kar close kar de. Fir secured cc ya loan lekar timely payment kare to credit score vapas se acha ho jaaye ga 1-2 saal me . Plz reply
First comment all time osm video
Sir ji ye video 2nd time upload kiye hai ????
Is it a re-uploaded video..???
Good morning❤❤❤❤
Standard Chartered Zero Savings Account me apply karna chahiye sir?
4year + ki credit history hai, 10 credit cards , no default, 10-20% credit utilisation lekin uske baad bhi cibil 780 ke upar nhi jaa rha😭
Sir 1 video bob credit card pe bhi bnao
Sir kya mobikwik se loan lena chahiye
Purana video hai
Sir please make a video on federal Bank
*Which one is more accurate? TransUnion CIBIL or Equifax or Experian or CRIF High Mark?*
सर, cibil स्कोर soft कैसे Cheak करे? कितनी बार cibil स्कोर Cheak करना फ्री होता है? और उसे कैसे Cheak करे, की cibil स्कोर के ऊपर कोई प्रभाव ना पडे
Bhai mene navi app pr loan Lena hai
Pr loan nahi ho raha pancard date
Change krni hai please help me bro please
Apka har video useful hai but apne purana video kiyu dala
Bro mujhe chot lagne ke baad mera credit card or kuch lone kiste ruk gyi mai default ho gya kya ye thik ho sakta hai
Thanks
Sir mera ek emi bounce ho gaya h bajaj card kaa aur block ho gaya meine full payment kar diya ab kya mera cibil score badhega aur 2nd baat ki mera bajaj card kab active hoga ? 😢❤Please batye
Sir bizgrow Rupay creditcard se online transaction nahi ho raha hai koi bhi aur hdfc team ishme koi help nahi kar pa rahi ishpe ek video banawo mai 10 bar complaint kar chuka please ishpe video ek video banawo sir
Sir sbi card. Liya tha fd based fir fd se hi payment adjust krke closed krwa diya ab sbi card doobara card nhi de rha "1card blocked" status aata
H pls reply jaroor krna
Sir ji mere credit card se mera dost ne ek e rickshaw liya aur baad me usne 5-6 emi nahi bhora lekin mujhe woh baat pata nahi chala..bad me jb me loan lene ke liye bank gaya tab mujhe pata chala aur tab tak mera civil 615 ho gaya...abhi tu me remaining emi bhar diya lekin civil thik nahi hua..kya koru batayiye plse
Sir maan ligiye mein ek gadi liya,emi de nehi paya to ,gadi bech diya ,jisko becha, bow time pe emi payment nehi kora ,to ush case mein hum kiya koren ,
Sir where can we get free sibil score check
sir please personal loan from banks ki video banao mujhe abhi shadi ke liye 3 lakhs ka loan lena h
Bhai kisne bola bahaj emi card se online shopping nahi kar sakte mai abhi abhi mi pad7 tab amazon se bajja no cost emi
soft check kaise krte h?
Sir login nahi ho raha hai..... Indusnd bank app after
Sir agar kisi month salary let ho to credit card ka bill Aya ho aur minimum due bhare to cibil kharab ho sakta kya plz batawo
Ha bayi
Lone account is permanent ly delete kaise kare video sarji❤
My cibil score is 781 😊
Mera Cibil 807 hai
Cibil score aur achha keise karu🤔🙏
Credit card ko long term me use karte raho chote chote consumer loan lo. Timely payment karo. Credit card ka use 30% ke billow hi rakho
@@unique.mradul0 Bhai Mein timely creadit card bill pay karta hu ...Mera lone ka emi me koyi default nehi hai fir bhi creadit score 807 se upar nehi ja raha ha aur keya karna chahiye jisme creadit score 850 se upar le ja pau🤔
@@Sumn88itna cibil leke karoge kya?? 😂
@@Sumn88 american express ka credit card lelo
1:30 color ulta kyu he 😅
Best banks for saving account ( top 5)
I got pre-approved credit card from HDFC & I applied for that but they rejected.
So my question is what's the meaning of pre-approved & why they rejected my cibil is 730
Then it is not pre approved. If you got call from bank then maybe for targets they said you have pre approved.
@ashish.kumar7 it's not from call its from their official app and also got sms for apply
Thanku
Best
Sir cibil score check kaise kare
Write off kya hota h sir
Maine kuchh din pahle hi Bajaj finance card se realme airport 6 Pro mangaya Hai EMI per
Simple new jo abhi 18 huaa hai wo number main fd based credit card le lo 2 ya 5 hajar wala or dono bill kam se kam use karke pay kar do 750+ cibil report milegi 1 jan ko next year.
Mast fir 3 mahine main bna lo
FII still selling heavily so kuch v ho sakta hai. Recovery FII ke bina possible hi nei hai.
Vai mara ak lone close kariha lakin civil upda nay huyaha
Kharab civil paisa pay Marne per civil sahi hoshakta h😢 nhi 😮 bto
Ek bar malya aur modi ko wapas ek bar loan diya jaye😂😂
Mujhe koi v bank ka credit card nhi mil Raha kya reason ho sakta hai already 2 card hai ek secured card sbm bank ek unsecurd card axis Bank 1.5 year say use kr rha hu old axis Bank ka card aur cibil v 792 hai koi v bank koi v credit card nhi mil rha hai sab banks ka try kr Chuka Hu 776 reh gya jayda inquiry say v pr abhi v nhi mil rha
First unsecured card kaise Mila axis ka plz reply
@Gamechanger7861 bhai luck he rha yr aur ab luck itna beakr koi v card nhi mil rha pahle v axis ka 3 4 war reject hua fir bad may mil gya jab k mere pas na job hai na business na koi incomes prof na kush other doccumnet pr abhi koi v kisi v bank ka credit card nhi mil rha pahle milna tha to bina cibil k mil gya ab itna good cibil hai 792 sab bolte best hai perfect hai pr mil nhi rha ek v bank ka
Good morning
Why loan. Don't take any loan.
❤❤
sir I am taking to HD BC mobile loan 20000 default 3 emi check bounce but I am pay that 3 check pumps amount in HDB
loan sir loan account is close sir
but problem is sir same HDb my name is personal loan is going sir I am not taking I am not taking loan amount what should be do tell me sir this already happening 3 year sir I am checking that right now sir
loan amount is 54000 I am not taking sir personal loan check default 25 total EMI 43 sir I am not taking loan anything Sir
I am taking only mobile loan on sir 20,000 I am paying that already
tell me sir what should be do I am right now
800 Civil mera hai bhai😂😂 5 laakh ka loan chal raha hai or ek loan 2 Laakh kha chal raha hai
❤
Bina civil valon ko koi loan hi nahi deta
Mera 824 cibil score fir bhi credit card reject ho gaya
Assalamualaikum Younik Video ❤ 0:35
Bhai ek cheej ko 10 baar repeat mat kiya kro
Old video hain
Update Bajaj Emi Card Work Also Online 👍
Mera cibil score 900 h😎
🥰
This is reloaded video.. bhai koi dusra content banalo ..
Mera bahut ganda civil h😢
Same to same video again and again 3:14
4 month old video reuploded😅😅😅😅
My Cibil score is 774
Lone milega
Re-upload Video hai 😂
yeh chiz shi nhi h CIBIL ek private company ha sbka data usko mil rha h aur plus ma exact cibil to track kr sku sri detail uske liye bhi 1200 ka annual subscription lo
L company
Re upload video
Stop chasing numbers.
kabhi padhai kiya he kabhi practical socha he nahi kyuki hm chutiya he
Loan hi mat lo
Old video
Emi bouce ho jaye
SIR KOTAK 811 SUPER KI VIDEOS BANAIYE
Any customer care contact number/email for CIBIL related issues??
Sir
Mera cibil last month 759 tha and Experian pe 750
Is baar mene kuch loan account close kiye and kuch new credit card liye
But sir for my surprise
Mera cibil score 29 number neeche gira diya h
Without any default or over credit utilisation
Cibil ne neeche giraya h and Experian ne increase kiya h esa jse
Please make a video on UPS (Unified Pension Scheme) and which is better b/w NPS & UPS 🙏
Sir sbi card. Liya tha fd based fir fd se hi payment adjust krke closed krwa diya ab sbi card doobara card nhi de rha "1card blocked" status aata
H pls reply jaroor krna
Sir sbi card. Liya tha fd based fir fd se hi payment adjust krke closed krwa diya ab sbi card doobara card nhi de rha "1card blocked" status aata
H pls reply jaroor krna