how to improve your Cibil score

1. Pay bills on time.

2. Keep credit card balances low.

3. Avoid applying for too many loans or credit cards.

4.Dispute errors on credit report.

5. Settle outstanding debts.

6. Limit hard credit inquiries.

7. Use a mix of credit types.

1. Pay your bills on time: Paying your bills on time is the most important factor in improving your CIBIL score. Late payments can have a negative impact on your score, so make sure to pay all your bills on time.

2. Keep Your Credit Utilization Low: Credit utilization is the ratio of your credit card balance to your credit limit. It is important to keep your credit utilization ratio low, ideally below 30%.

3. Limit credit applications: Every time you apply for credit, it leaves a hard inquiry on your credit report.

4. Keep old credit accounts open: Length of credit history is a factor in your credit score.

5. Dispute errors on your credit report: Check your credit report regularly and dispute any errors.

6. Diversify your credit: Having a mix of different types of credit can improve your credit score.