ank aapko loan dega ya nahi, yeh sabse zyada aapke CIBIL Score par depend karta hai. Agar aapka score 700 hai aur aap 800 tak le jaana chahte hain to yeh article aapke liye hai.
CIBIL Score Kya Hota Hai?
CIBIL Score 300 se 900 ke beech ka ek number hota hai. 750 se upar ka score accha mana jata hai. Bank isi score ko dekh kar decide karta hai ki aap loan chukane layak hain ya nahi.
CIBIL Score Kam Kyu Hota Hai?
- EMI ya Credit Card bill time par na bharna
- Bahut zyada loan ke liye apply karna
- Credit Card ki limit ka 100% use karna
700 se 800 tak le jaane ke 7 Tarike
1. Bill Hamesha Time Par Bharein: Sabse important. Ek bhi EMI miss hone par score 50-100 point tak gir sakta hai. Auto-pay laga den.
2. Credit Utilization 30% se Kam Rakhein: Agar limit 1 lakh hai to 30 hazar se zyada use na karen. Zyada use karne se bank ko lagta hai aap paise ke liye pareshan hain.
3. Purana Credit Card Band Na Karein: Purana card aapki credit history lambi dikhata hai.
4. Ek Saath Bahut Saare Loan Ke Liye Apply Na Karein: Har inquiry se score girta hai. Ise Hard Inquiry kehte hain.
5. CIBIL Report Me Galti Check Karein: Saal me ek baar free report check karen, galti ho to dispute raise karen.
6. Secured aur Unsecured Ka Balance: Sirf Personal Loan mat lein, ek Home Loan ya Gold Loan credit mix ko accha karta hai.
7. Sirf Minimum Due Mat Bharein: Hamesha full bill bharein, nahi to byaj aur score dono kharab.
Kitne Din Me Score Badhega?
Agar aap upar ke tarike follow karte hain to 3 se 6 mahine me aapka score 700 se 800 tak ja sakta hai.
Disclaimer: CIBIL Score badhane ka koi shortcut nahi hai. Koi bhi agent agar paise lekar score badhane ka dawa kare to usse bachein. Official tarika hi follow karen. Yeh jankari sirf education ke liye hai.
Source: CIBIL Official, RBI Guidelines