How can I improve my CIBIL score?
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My CIBIL score is already in a great range — anywhere from 787 to 809 — but I’m aiming for that perfect 800+ across the board. I’m already following the basics like maintaining low utilization and making timely EMIs, but with a second home loan in my future, are there any specific tactics I might be missing to give my score that final push?
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Since your score is already near 800, it's more about staying consistent now. Keep your credit usage under 20%, avoid frequent new card applications, and don’t close your oldest accounts; account age matters.
Make sure your report is error-free. Banks will prioritize your steady income and good repayment history for a future home loan over minor credit score improvements.