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.
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What Is Credit Utilization Ratio and How Can You Improve It?2023-03-23 | 5 min
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Different Types of Credit Report Errors and How to Fix Them_WC2023-07-11 | 4 min
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Here Is How a Bounced Cheque Can Affect Your CIBIL Score2023-06-06 | 5 min
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What to Know About CIBIL Score 2.02023-08-23 | 3 min
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CIBIL Score Charges & Services You Must Know2023-04-04 | 2 min
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What Is Credit Mix and How Can It Help Your Credit Score?2023-07-12 | 3 min
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How to Get a Good Credit Mix and Boost Your Credit Score2023-07-11 | 4 min
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Why Is CIBIL Score Important for Your Financial Health?2023-04-17 | 3 min
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What is CIBIL Score and How is it Impacted by a Missed EMI?2023-05-31 | 2 min
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The Role of CIBIL Score in Determining your Home Loan Disbursement Amount2023-05-31 | 2 min
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Minimum CIBIL Score for Business Loans2023-04-17 | 5 min
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Tips to Maintain Your Business CIBIL Score Above 7002023-02-02 | 5 min
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Is a Good CIBIL Score Mandatory for Home Loan Approval?2023-02-17 | 4 min
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Importance of CIBIL Score & Tips To Improve It2023-02-21 | 5 min
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What is the Procedure to Check your CIBIL Score Rating?2023-03-27 | 4 min
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Different Types of Credit Scoring Models You Must Know2023-03-16 | 5 min
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How Do You Establish a Credit Score for the First Time?2023-03-22 | 6 min
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Ways to Maintain a Healthy Credit Score and Profile2023-03-13 | 6 min
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Top Tips to Improve Credit Score Immediately to Get Your Loan Approved2023-03-30 | 5 min
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Reasons to Maintain a Positive Credit Profile and a High CIBIL Score2023-03-01 | 5 min
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Does Applying for Credit Affects One's CIBIL Score?2023-03-15 | 3 min
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Importance of CIBIL Score for Achieving Business Goals2023-03-16 | 5 min
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What Does Your Credit Score Reveal About You?2023-04-05 | 5 min
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7 Tips to Help You Improve Your CIBIL Score2022-12-21 | 5 min
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Boost Your Credit Score By Minding The Factors That Affect It2023-03-20 | 5 min
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10 Effective Strategies for Boosting Your Credit Rating2023-03-24 | 6 min
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Why Is It Important to Check Your Credit Report and How Often?2023-03-22 | 3 min
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Why is Credit Score Important After Retirement?2023-03-22 | 6 min
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5 Ways to Increase CIBIL Score After Job Loss2023-03-21 | 4 min
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Here’s What These Various Sections of a CIBIL Report Mean2023-03-21 | 5 min
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7 Easy Tips On How Chartered Accountants Can Increase Their CIBIL Score?2023-01-23 | 4 min
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High CIBIL Score Helps Low-Interest Rate Loans2023-09-20 | 5 min
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Some of the Common Credit Mistakes to Avoid2023-03-21 | 4 min
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How Long Does It Take to Improve a CIBIL Score2023-03-29 | 5 min
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How Can Customers Check Their Credit History?