CIBIL Score (Credit Score) aapki financial health ka report card hai. Agar ye score 750 se upar hai, toh bank aapko palkon par baithayega aur saste interest par loan dega. Lekin agar ye kam hai, toh loan milna mushkil ho jata hai.
“ArthVeda” ke readers ke liye ye rahi ek practical checklist apna score sudharne ke liye:
CIBIL Score Kaise Badhayein? (The 750+ Strategy)
1. 100% On-Time Payments (Sabse Zaroori)
Aapke score ka 35% hissa sirf is baat par depend karta hai ki aapne payment waqt par ki hai ya nahi.
- Tip: Ek bhi din ki deri aapka score 50-100 points gira sakti hai. Credit card bills aur Loan EMI ke liye ‘Auto-pay’ on rakhein.
2. Credit Utilization Ratio (30% ka Rule)
Maan lijiye aapke card ki limit ₹1 Lakh hai, toh koshish karein ki aap mahine mein sirf ₹30,000 (30%) hi kharch karein.
- Kyun? Agar aap puri limit use karte hain, toh bank ko lagta hai ki aap “Credit Hungry” (paisa ke bhookhe) hain, aur aapka score gir jata hai.
3. Purane Cards ko Band Na Karein
Aapka “Credit History” jitni purani hogi, score utna hi accha hoga.
- Tip: Agar aapke paas koi purana Lifetime Free card hai jise aap use nahi karte, toh bhi use band mat karein. Use chalne dein taaki aapki history lambi dikhe.
4. Mix of Credit (Sahi Santulan)
Score tab jaldi badhta hai jab aapke paas Secured Loan (Home/Car loan) aur Unsecured Loan (Credit Card/Personal loan) dono ka sahi mix ho.
- Tip: Sirf bahut saare Personal Loans lena score ke liye bura hai.
5. Baar-Baar Inquiry na Karein
Jab bhi aap loan ya card ke liye apply karte hain, bank CIBIL check karta hai. Ise “Hard Inquiry” kehte hain.
- Nuksan: Bahut saari inquiries ka matlab hai aapko paison ki sakht zaroorat hai. Isse score kam hota hai.
6. Apni Report ko Review Karein
Saal mein ek baar apni CIBIL report free mein check karein. Kabhi-kabhi bank ki galti se purana band ho chuka loan bhi ‘Active’ dikhta hai.
- Tip: Agar koi galti dikhe, toh turant CIBIL ki website par Dispute raise karein.
ArthVeda Quick Tip: Agar Score Zero (0) hai toh kya karein?
Agar aapne kabhi loan nahi liya, toh aapka score 0 ya -1 hoga. Score shuru karne ka sabse asaan tareeka hai:
- FD Based Credit Card lein: Bank mein ₹20,000 ki FD karwayein aur uspar card lein. Use 6 mahine waqt par bhariye, aapka score 750+ ho jayega.