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?

Having just started a SIP, can I modify the debit date and investment amount? What are the consequences of missing the first SIP payment? Will it lead to cancellation, fees, or negatively impact returns or my credit score?