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There are
four credit bureaus in India who generate your credit score and credit report.
CIBIL™ is one of them and the credit score provided by them is known as CIBIL™
score. To improve your credit score, you may have to cultivate some of the
important financial habits. They are
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.
Clear
past dues: if you
had failed to repay your loan in the past, it may reflect as negative account
in your credit report. By clearing the past dues, it would pave way for
improving your poor credit score.
Check
your credit report: It
is vital to check your credit score periodically to get to know about the
errors on it and rectify them at the earliest.
By
following the pointers given above, you can definitely improve your credit score significantly.