How to Improve Cibil Score from 600-750?
From 600 to 750: A Realistic Guide to Improving Your CIBIL Score
Let’s be honest — the word “CIBIL” doesn’t excite most people. But when you're planning to get a loan, credit card, or even apply for a home on EMI, it suddenly becomes very important.
If your CIBIL score is around 600, it might feel like you’ve messed up. But the truth is: 600 is not the end — it’s just the start of a comeback.
In this article, I’m going to share exactly how you can take your score from 600 to 750 — without any shortcuts, credit fix scams, or unrealistic promises.
1. Understand Why Your Score Dropped
Before fixing anything, you need to know what went wrong.
Check your credit report on platforms like:
CIBIL (TransUnion)
Experian
CRIF High Mark
Look for:
Missed or late EMIs
High credit card utilization
Too many loan/credit card applications
Any defaults or written-off loans
These are the red flags you’ll need to fix first.
2. Pay All Your EMIs and Credit Card Bills On Time
Sounds simple? It actually is.
35% of your CIBIL score depends on your payment history.
If you’ve missed any past payments, try to repay them or talk to your lender for a settlement — and make sure you never miss a payment again.
Even one consistent year of on-time payments can create a big impact.
3. Lower Your Credit Card Usage
If your credit limit is ₹1,00,000 and you use ₹90,000 every month, it signals “credit hunger” — even if you pay it all back.
Try to keep your credit utilization below 30%.
Pro Tip: If possible, request a higher credit limit but don’t use the extra limit. This improves your score without increasing debt.
4. Don’t Apply for Too Many Loans at Once
Every time you apply for a loan or credit card, it creates a “hard inquiry” on your report. Too many of these can pull down your score.
Stick to only what you truly need, and give at least 3-6 months gap between applications.
5. Consider a Secured Credit Card or Credit Builder Loan
If your score is low and no one is giving you credit, try this:
Apply for a secured credit card (against FD)
Take a small loan and repay it properly
This helps build a clean and fresh repayment record.
6. Monitor Your Progress Monthly
Use platforms like OneScore or Paytm to track your score.
Seeing your score improve every month can be highly motivating. Plus, you’ll quickly catch if something goes wrong.
Final Thoughts: Your Score Doesn’t Define You — But It Does Matter
Going from 600 to 750 isn’t a one-night miracle. It takes discipline, patience, and smart financial behavior. But if you stay consistent, the reward is worth it — better loans, lower interest rates, and peace of mind.
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