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:
While care is taken to update the information, products, and services included in or available on our website and related platforms/websites, there may be inadvertent errors or delays in updating the information. The material contained in this website and on associated web pages, is for reference and general information purposes, and the details mentioned in the respective product/service document shall prevail in case of any inconsistency. Users should seek professional advice before acting on the basis of the information contained herein. Please take an informed decision with respect to any product or service after going through the relevant product/service document and applicable terms and conditions. Neither Bajaj Housing Finance Limited nor any of its agents/associates/affiliates shall be liable for any act or omission of the Users relying on the information contained on this website and on associated web pages. In case any inconsistencies are observed, please click on contact information.
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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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cibil Cibil
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How Does Being A Loan Guarantor Affect Your Credit Score?2023-03-23 | 4 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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cibil Cibil
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How can I Remove Loan Inquiry from CIBIL Credit Report2024-01-22 | 5 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?2024-01-24 | 3 min
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cibil Cibil
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A Helpful Guide to Understanding Your Credit Report2024-01-26 | 5 min
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home+loan Home Loan
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An Essential Guide to Refinancing a Home Loan2024-04-22 | 5 Min
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cibil Cibil
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Difference Between Credit Score and CIBIL Score2024-02-15 | 5 min
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cibil Cibil
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Loan Settlement And Its Effects On Your Credit Score2024-03-07 | 6 min
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tax Tax
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How Much Tax Can be Saved Under Sections 80C, 80D, and 80G?2023-02-22 | 5 min
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home+loan Home Loan
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10 Factors That Affect Your Home Loan Eligibility2024-05-21 | 7 min
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home+loan Home Loan
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Understanding Stamp Duty and Property Registration Charges2024-03-13 | 5 min
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home+loan Home Loan
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Should I Apply for a Pre-Approved Home Loan or an After Property Finalisation Loan?2024-03-15 | 5 min
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cibil Cibil
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Everything You Need to Know About the Ideal CIBIL Score for Business Loan2024-01-17 | 4 min
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cibil Cibil
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What is the Role of CIBIL Score in Getting a Home Loan?2024-05-08 | 5 min
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home+loan Home Loan
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How to Connect with Bajaj Housing Customer Care2023-06-27 | 5 Min
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cibil Cibil
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How To Improve CIBIL Score After A Payment Default?2023-03-29 | 4 min
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cibil Cibil
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Impact Of a Co-Applicant’s CIBIL Score On Your Home Loan Application2023-01-20 | 4 min
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Tips to Manage Loan Against Property Repayments Efficiently2024-02-21 | 3 min
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home+loan Home Loan
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How to Access Your Login Details in Bajaj Customer Portal?2024-02-02 | 5 min
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Renting vs. Buying a Home: Which is Better?2023-06-01 | 3 min
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home+loan Home Loan
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What Is Home Loan Eligibility and How Is It Calculated2023-07-11 | 6 min
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home+loan Home Loan
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Home Loan Burden Management: Five Tips2022-06-27 | 3 min
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home+loan Home Loan
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A Complete Guide on the Benefits of Joint Home Loan2022-11-16 | 5 min
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home+loan Home Loan
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How to Calculate Home Loan EMIs2022-06-14 | 5 Mins
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home+loan Home Loan
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Making Financial Planning Easy with a Home Loan EMI Calculator2023-09-06 | 2 min
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3 Ways to Reduce Your EMIs with a Home Loan Balance Transfer2024-05-08 | 5 min
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home+loan Home Loan
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All You Should Know About Home Loan Disbursement and Sanctioning Process2024-03-19 | 3 Min
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cibil Cibil
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How to Increase Your CIBIL Score Above 800: 6 Proven Methods2024-01-24 | 4 min
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6 Simple Tips on How to Maintain a Good CIBIL Score2024-05-03 | 3 min
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home+loan Home Loan
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Difference Between Co-owner, Co-borrower, Co-Applicant, and Co-Signer in Home Loan2023-08-31 | 6 min
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home+loan Home Loan
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How Do You Overcome Home Loan Repayment Burden?2023-02-13 | 2 min
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Loan Against Property for Doctors: An Essential Checklist2024-05-07 | 2 min
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home+loan Home Loan
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Best Credit Score for Home Loans & How to Improve Yours2023-08-31 | 6 min
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cibil Cibil
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What Is a Good Credit Score for a Home Loan?2022-12-28 | 5 min
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home+loan Home Loan
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Home Loan vs Loan Against Property: A Complete Comparison2023-11-29 | 4 min
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tax Tax
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Difference Between Old Vs New Tax Regime2023-08-09 | 5 min
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tax Tax
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How to Claim Home Loan Tax Exemptions and HRA Together2023-03-22 | 5 min
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cibil Cibil
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How is CIBIL Score Calculated - Factors That Affect CIBIL Score Calculations2023-03-22 | 6 min
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cibil Cibil
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What Is Credit Utilization Ratio and How Can You Improve It?2023-03-23 | 5 min
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cibil Cibil
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Different Types of Credit Report Errors and How to Fix Them_WC2023-07-11 | 4 min
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cibil Cibil
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Here Is How a Bounced Cheque Can Affect Your CIBIL Score2023-06-06 | 5 min
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home+loan Home Loan
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A Complete Guide for Home Loan Insurance2023-04-03 | 4 min
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home+loan Home Loan
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What Are the Pros and Cons of Home Loan Balance Transfer?2023-02-01 | 4 min
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home+loan Home Loan
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How to Check Your Bajaj Housing Finance Home Loan Status2022-06-22 | 4 Min
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cibil Cibil
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What to Know About CIBIL Score 2.02023-08-23 | 3 min
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tax Tax
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How to Avail Maximum Home Loan Tax Benefit in India in 2023?2023-03-17 | 6 min
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tax Tax
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A Closer Look at Four Types of Loans That Offer Incredible Tax Benefits2023-02-16 | 4 min
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tax Tax
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8 Different Ways to Avail Tax Benefits on Home Loans2023-03-03 | 4 min
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loan+against+property Loan Against Property
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What Is the Difference Between Gold Loan and Loan Against Property?2023-03-02 | 6 min
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loan+against+property Loan Against Property
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Why Professional Loans Against Property Are Financially Beneficial?2023-03-03 | 5 min
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loan+against+property Loan Against Property
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What Are the Eligibility Criteria for Obtaining a Loan Against Property?2023-03-28 | 4 min
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