Credit Scoreguide 7 min
Improve Your Credit Score: A 90-Day Plan
Practical steps that move your CIBIL score in three months.
Your credit score (300–900) decides whether you get loans and at what rate. Here's a realistic plan.
Month 1 — Stop the bleeding - Set auto-debit for every EMI and card bill. - Download your free credit report and dispute any errors.
Month 2 — Reduce utilisation - Bring each card below 30% of its limit. - Don't close your oldest card.
Month 3 — Stay steady - Avoid new loan applications; each enquiry dents your score. - Keep a mix of secured and unsecured credit only if you need it.
Consistency matters more than any trick. Beware of 'credit repair' agents promising instant fixes for a fee.
Create a free account to track your learning progress.