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CIBIL™ is
one of the credit bureaus that gives credit score to their customers. The
credit score given by them is known as CIBIL™ score.
Any credit
score above 750 is considered as good score by the lenders. If you have
recently taken a credit from a bank or NBFC, you may have less than 750. A
credit score is calculated based on various components like credit history,
credit mix and credit utilisation ratio. To get a credit score, you may have to
keep in mind the pointers given below
Make
your payments on time: After you have taken a loan or credit card, it is important that you
make the payment on-time. Delinquencies will hurt your credit score very badly.
Low
Credit Utilisation Ratio: Going on a spending-spree with your credit card would become critical to
your credit score as credit utilisation ratio has a considerable weightage on
your score. Hence use your credit card only when necessary.
Mixture
of Credit: Having
mixture secured and unsecured loans and credit cards would boost your credit
score.
With the
right credit discipline, you can definitely get a good credit score.