Credit Score

Improving your credit score above 710 is doable and will have a major positive impact on your finances. Here are some guidelines to follow:

Maintain a low credit utilization ratio by using less than 30% of your available credit. Avoid becoming overly reliant on credit; manage it responsibly. Consider increasing your credit limits to improve utilization, but be careful not to overspend. Always make payments on time; setting up automatic payments can help ensure consistency. Keep old accounts open, as they can positively impact the length of your credit history. Regularly check your credit report for errors and dispute any inaccuracies.

By addressing these factors, you can steadily improve your credit score.

To improve the credit score, try to repay all the dues on time and try to reduce the usage of credit cards. These are some important thing that you need to do.

Apart from this, negotiating debt settlements and disputing genuine errors, credit repair services can also help.

To check your CIBIL score for free, there are many reliable platforms available in India. Websites like the CIBIL (official website), CRED, PaisaBazaar, and some financial institutions, including banks.

To improve the CIBIL score, follow some rules like paying the bills on time, reducing the usage of credit, avoiding multiple loan applications, and maintaining a healthy credit mix.