7 Aadatein Jo CIBIL Score Sudhaarti Hain

Zyada credit score matlab aasaan approval aur behtar card/loan offers. Saat aadatein:

1. Hamesha time pe bharo. Payment history sabse bada factor. Ek late bill bhi nuksaan. Minimum ka auto-pay safety-net rakho.
2. Utilisation low rakho. Limit ka ~30% se kam use = control ka signal. Card max karna score giraata hai.
3. Poora bill bharo, minimum nahi. Sirf minimum = debt + interest me phase, aur risky dikhta.
4. Ek saath bahut card mat maango. Har application ek hard enquiry. Gap rakho.
5. Purane card active rakho. Lambi history faayda deti. Sabse purana card yun hi band mat karo.
6. Saal me ek baar report check karo. Errors dispute karo — kisi aur ka default aapki report pe theek ho sakta hai.
7. Sahi mix. Alag-alag credit types theek se handle karna, "kuch nahi" se behtar padha jaata hai.

Score dheere badalta hai. Mahino ki consistency — na ki tricks — hi ise banati hai.