A CIBIL score is a three-digit number representing the creditworthiness of an individual. It ranges from 300 to 900, the closer your score is to 900, the better it is. Financial institutions conduct thorough CIBIL checks before sanctioning a Home Loan. Lenders typically prefer applicants with a CIBIL score above 750 while extending loans. Hence, it is recommended to improve your CIBIL score to enhance your loan eligibility in the future.
6 Easy Tips to Improve Your Credit Score Above 800
A low CIBIL score may cause rejections when you apply for a credit card or loan. Also, multiple rejected applications can further decrease your CIBIL score. Improving your CIBIL score might seem challenging but it is an achievable task. A boost in your CIBIL score will increase your chances of securing credit facilities in the future. Therefore, if you are wondering how to improve your CIBIL score above 800, here is the course of action you can take:
1. Monitor Your Credit Report
As a credit-card holder, the first thing you should do is clear default or delayed payments and monitor the credit report because sometimes the paid amount does not reflect on your account. In such cases, you can get in touch with the bank or the financial institution and get it rectified on time.
Additional Read: How to Check CIBIL Score for Free with PAN Card
2. Opt for a Healthy Mix of Credit
A healthy credit mix of unsecured and secured loans assures the lender of your ability to repay various types of the loans easily. Having a combination of a mortgage loan, personal loan, auto loan, and so on, is generally considered a good mix of credit that is sure to keep the CIBIL score in good standing.
3. Keep Track of Your Old Debts
Keep a record of all the successful payments made in the past in your credit report. This will give the lender a positive impression of you as someone who settles dues and they will see you as a reliable, low-risk customer.
4. Use Credit Cards Wisely
If you wish to improve your CIBIL score, you should start using your credit card diligently. You can begin by making low-ticket online purchases using your credit card and repay the amount at the earliest. This will reflect well on your credit history and add to your credit score.
5. Make Timely Payments
One of the key factors that decide your credit health is your debt responsibility. Ensure that you are able to keep up with all your EMI commitments and repay any amount owed on time.
6. Avoid Unnecessary Hard Loan Enquiries
Another thing to bear in mind is that every time a lender conducts a hard loan enquiry, your credit score may be affected. Ensure that you only make loan enquiries when you’re sure of your loan eligibility and have conducted your research, so you minimise multiple enquiries at the same time.
Additional Read: Smart Things to Consider Before You Apply for a Home Loan
What is Considered as a Good CIBIL Score?
The CIBIL score ranges from 300-900 but the higher the number, the better the chances of getting the loan approved. Most lending institutions consider 750 or higher as the ideal score for quick and smooth loan approvals. If your CIBIL score falls below the desired limit, you still have a chance to raise it to 800. the following table shows the credit score and corresponding rating:
Credit Score | Rating |
---|---|
800 and above | Excellent |
750 – 800 | Very Good |
625– 750 | Fair |
625 and below | Low |
As a potential borrower, it is always a good idea to know your CIBIL score and find out how it translates to the lender. For those with a credit score below 625, applying for a loan could be challenging owing to the low score. Nevertheless, one should monitor the report and address the factors that could possibly be affecting the CIBIL score.
What are the Factors Affecting the CIBIL Score?
Before moving on to how to improve your CIBIL score, here is a look at the factors that affect the credit score in the first place:
- Credit utilisation ratio
- Outstanding debts, credit card bills, loans
- Number of credit applications
- Accuracy of the credit report
- Credit mix
- Length or duration of credit history
- Closing of previous credit card account(s)
Applicants need not stress over the factors listed above since there are several ways to get your CIBIL score in good shape.
Benefits of Maintaining a Good Credit Score
Having a good credit score can benefit you in numerous ways. The top benefits of maintaining a high credit score include the following:
- Competitive interest rates and better loan terms
- Increased chances of qualifying for a credit or loan
- Higher credit limits
- Better range of credit card rewards
Automated EMI repayments, timely payments on credit card bills, disciplined expenditure, and appropriate financial management help to maintain a positive CIBIL score above 800. It may not be an easy task to monitor but with these 6 proven methods listed above to increase CIBIL score, one can surely achieve a score of 800+. Applicants can check their CIBIL score on CIBIL's official website by paying a nominal fee.
Frequently Asked Questions
You can increase your CIBIL score by:
- Analysing your credit report and clear default or delayed payments.
- Increasing your credit limit
- Opting for a healthy credit mix
- Managing your EMIs effectively so that they are feasible
- Keeping track of previous loans that are successfully repaid
- Using credit cards diligently
- Making timely repayments
- Avoiding hard enquiries
CIBIL Score takes time to improve. You can practice healthy credit habits to increase your credit score. By making timely repayments, avoiding hard inquiries, clearing repayment defaults or delayed payment records from credit report you can increase your credit score.
No, you cannot improve the CIBIL score in 30 days. However, there are some best practices such as opting for a healthy credit mix, keeping track of your old debts, and repaying EMIs consistently can help you improve your CIBIL score.
DISCLAIMER:
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cibil Cibil
[N][T][T][N][T]
How to Check Your CIBIL Score for Free and What to Do If There Are Errors in It2024-06-05 | 4 min
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home+loan Home Loan
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What Affects the Interest Rate on Your Home Loan2024-03-13 | 5 min
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loan+against+property Loan Against Property
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3 Different Loan Against Property Types You Should Know About2024-02-13 | 5 Min
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loan+against+property Loan Against Property
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Easy Ways to Pick the Right Loan Against Property Tenor2024-05-14 | 3 min
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cibil Cibil
[N][T][T][N][T]
How to Check, Calculate, and Improve CIBIL Score?2024-01-11 | 2 min
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tax Tax
[N][T][T][N][T]
How to Save Tax for Salary Above 30 Lakh?2023-08-07 | 6 min
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tax Tax
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How to Save Tax Between Rs 20 to Rs 25L Salary in India2023-07-19 | 6 min
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home+loan Home Loan
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10 Smart Steps for Effective Home Loan Management2024-02-16 | 5 min
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home+loan Home Loan
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Advantages for First-Time Home Buyers2023-07-14 | 4 min
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home+loan Home Loan
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home+loan Home Loan
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How to Determine Your Ideal Credit Score for a Home Loan?2024-03-28 | 4 min
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home+loan Home Loan
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Would it be Possible for Me to Apply for a Second Mortgage?2024-05-22 | 3 min
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cibil Cibil
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Easy Ways to Maintain a Good Business Credit Score2024-01-10 | 5 min
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cibil Cibil
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Impact of Late Payment on CIBIL Score?2024-03-08 | 6 min
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home+loan Home Loan
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Common Myths About Home Loans: All You Need to Know2024-04-08 | 5 min
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5 Benefits of Availing of a Home Loan at an Early Age2024-05-10 | 3 min
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[N][T][T][N][T]
7 Smart Ways to Boost Your CIBIL Score for a Home Loan2024-05-09 | 6 min
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cibil Cibil
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Pay Minimum Amount Due on Your Credit Cards Will Impact Your Credit Score2024-03-11 | 5 min
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cibil Cibil
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Here’s How a Short-term Loan Can Help You Improve Your CIBIL Score2024-03-25 | 5 min
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cibil Cibil
[N][T][T][N][T]
How Can I Raise My Credit Score From 360 to 800 Within a Year?2024-03-21 | 5 min
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home+loan Home Loan
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What is an NOC Letter and Why is it Important?2024-05-14 | 3 min
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tax Tax
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Income Tax Structure in New Regime: New Tax Exemption Limit 20232024-05-08 | 4 min
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loan+against+property Loan Against Property
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Top 5 Issues Regarding Loan Against Property Application Rejection that You Might Face2023-02-14 | 5 min
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tax Tax
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Know all About Top Up Loans and How to Avail of Tax Benefits2023-12-12 | 5 min
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home+loan Home Loan
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5 Tips for Lowering Home Loan Interest Rates in 20232024-03-19 | 5 min
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home+loan Home Loan
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How Can Your Credit Score Impact Your Home Loan Interest Rate?2024-02-13 | 6 min
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[N][T][T][N][T]
Everything You Need to Know About Home Loan Tax Benefits2024-04-23 | 6 min
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cibil Cibil
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Does a Name Change Affect Your Credit Score2024-01-07 | 4 min
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home+loan Home Loan
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Home Loan Balance Transfer: Benefits, Eligibility, and More2024-05-15 | 3 Min
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home+loan Home Loan
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Benefits of Submitting a Digital Home Loan Application in Current Times2023-12-20 | 4 min
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home+loan Home Loan
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Common Mistakes to Avoid When Applying for a Home Loan2023-12-04 | 2 min
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home+loan Home Loan
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Differences Between Fixed and Floating Interest Rates2024-05-15 | 2 min
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cibil Cibil
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Everything You Should Know About Your CIBIL Score2024-02-09 | 7 min
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tax Tax
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Top Benefits of Using an Online Income Tax Calculator2023-12-28 | 5 min
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cibil Cibil
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What is Credit Score and Its Impact on Loan Availability2023-03-27 |
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cibil Cibil
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What Does Your Credit Score Tell About You?2024-06-11 | 5 min
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cibil Cibil
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Know How Mortgage Loan Affect Your CIBIL Score2024-02-05 | 5 Min
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home+loan Home Loan
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ITR Filing for Home Loan – Know the Right Process to File Your Income Tax Returns2024-02-16 | 5 min
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cibil Cibil
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Why is a CIBIL Score Measured Between 300 and 900?2024-05-07 | 4 min
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cibil Cibil
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What are the Types CIBIL Errors & How to Correct Them?2023-11-22 | 6 min
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cibil Cibil
[N][T][T][N][T]
What is CIBIL? Understand How It Works and Its Importance2024-01-31 | 6 min
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tax Tax
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What Does It Mean to Have a CIBIL Score of -12023-06-16 | 4 min
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home+loan Home Loan
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Home Loan Terminologies2024-06-01 | 3 min
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cibil Cibil
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What Are Tradelines and How to Find Them On Your Credit Report?2024-05-28 | 4 min
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home+loan Home Loan
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Ways to Check Bajaj Housing Loan Account Numbers2024-04-05 | 3 min
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home+loan Home Loan
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What Do You Need to Know About Home Loan Foreclosure?2023-03-23 | 5 min
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cibil Cibil
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Introduction to Credit Information Bureau India Limited (CIBIL)2024-04-15 | 6 min
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home+loan Home Loan
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Section 80EE: Claim Deductions on the Home Loan Interest Paid2023-02-17 | 6 min
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home+loan Home Loan
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What is the Process to Get Your Home Loan Approved Fast with Bajaj Housing Finance?2024-02-15 | 6 min
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home+loan Home Loan
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What are the Different Types of Loans Available in India?2024-01-02 | 5 Min
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cibil Cibil
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What Does a Zero or Negative Credit Score Mean?2023-02-24 | 4 min
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cibil Cibil
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How Many Credit Inquiries are Too Much in a Year2023-09-21 | 2 min
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cibil Cibil
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How to Check CIBIL Score Online?2023-03-14 | 5 min
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home+loan Home Loan
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Top 5 Home Loan Benefits for First-time Woman Buyers2024-05-14 | 5 min
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home+loan Home Loan
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Importance of an NOC Letter after Closing Your Home Loan2023-12-14 | 6 min
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home+loan Home Loan
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Benefits of a Joint Home Loan with your Spouse2023-08-04 | 4 min
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home+loan Home Loan
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How to Pick the Best Home Loan Tenor that Suits Your Budget2023-06-29 | 5 min
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home+loan Home Loan
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How Digital Platforms Are Revolutionising the Face of Housing Finance2023-12-21 | 7 min
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home+loan Home Loan
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What is the Ideal Down Payment for a Home Loan?2024-05-16 | 5 min
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tax Tax
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Comparison Between New Tax Regime vs Old Tax Regime2024-04-10 | 5 min
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home+loan Home Loan
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Know All About the Home Loan Foreclosure Procedure2023-12-20 | 5 min
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cibil Cibil
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10 Common Myths About CIBIL Score2024-03-27 | 4 min
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cibil Cibil
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Check CIBIL Score with PAN Card for Free, in 3 Steps2024-02-27 | 5 min
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home+loan Home Loan
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Advantages of Including a Co-Applicant on Your Home Loan2024-01-21 | 7 min
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home+loan Home Loan
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What is the Difference Between Top-up Loan and Home Improvement Loan2023-01-11 | 5 min
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home+loan Home Loan
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Are Registration Charges Compulsory When You Opt for a Home Loan?2024-04-15 | 5 min
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home+loan Home Loan
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Can I Take a Home Loan and a Personal Loan Together?2024-01-17 | 4 min
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home+loan Home Loan
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Should You Take a Home Loan Even If You Have Enough Money to Buy a House?2023-01-30 | 3 min
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home+loan Home Loan
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7 Common Problems You May Face While Applying For Home Loan2024-01-18 | 7 min
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home+loan Home Loan
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What Happens If Home Loan EMI Bounces? Know the Consequences2023-07-11 | 5 min
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home+loan Home Loan
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Hybrid Flexi Loan vs. Personal Loan: Which One is Better?