{"id":14368,"date":"2025-01-21T09:06:39","date_gmt":"2025-01-21T09:06:39","guid":{"rendered":"https:\/\/lxme.in\/?p=14368"},"modified":"2025-06-12T13:22:58","modified_gmt":"2025-06-12T13:22:58","slug":"ways-to-improve-your-cibil-score-quickly","status":"publish","type":"post","link":"https:\/\/lxme.in\/v1\/ways-to-improve-your-cibil-score-quickly\/","title":{"rendered":"10 Ways to Improve Your CIBIL Score Quickly"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_75 counter-hierarchy ez-toc-counter ez-toc-transparent ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/lxme.in\/v1\/ways-to-improve-your-cibil-score-quickly\/#What_is_a_CIBIL_Score_and_Why_Is_It_Important\" >What is a CIBIL Score, and Why Is It Important?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/lxme.in\/v1\/ways-to-improve-your-cibil-score-quickly\/#1_Check_Your_CIBIL_Report_Regularly\" >1. Check Your CIBIL Report Regularly<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/lxme.in\/v1\/ways-to-improve-your-cibil-score-quickly\/#2_Pay_Your_Credit_Card_Bills_on_Time\" >2. Pay Your Credit Card Bills on Time<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/lxme.in\/v1\/ways-to-improve-your-cibil-score-quickly\/#3_Keep_Credit_Utilization_Low\" >3. Keep Credit Utilization Low<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/lxme.in\/v1\/ways-to-improve-your-cibil-score-quickly\/#4_Avoid_Frequent_Loan_Applications\" >4. Avoid Frequent Loan Applications<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/lxme.in\/v1\/ways-to-improve-your-cibil-score-quickly\/#5_Use_a_Secured_Credit_Card\" >5. Use a Secured Credit Card<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/lxme.in\/v1\/ways-to-improve-your-cibil-score-quickly\/#6_Pay_Off_Outstanding_Loans\" >6. Pay Off Outstanding Loans<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/lxme.in\/v1\/ways-to-improve-your-cibil-score-quickly\/#7_Avoid_Settling_Loans\" >7. Avoid Settling Loans<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/lxme.in\/v1\/ways-to-improve-your-cibil-score-quickly\/#8_Maintain_a_Healthy_Credit_Mix\" >8. Maintain a Healthy Credit Mix<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/lxme.in\/v1\/ways-to-improve-your-cibil-score-quickly\/#9_Dont_Close_Old_Credit_Cards\" >9. Don\u2019t Close Old Credit Cards<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/lxme.in\/v1\/ways-to-improve-your-cibil-score-quickly\/#10_Monitor_Co-Signed_or_Joint_Accounts\" >10. Monitor Co-Signed or Joint Accounts<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/lxme.in\/v1\/ways-to-improve-your-cibil-score-quickly\/#Take_Control_of_Your_Financial_Journey_with_Lxme\" >Take Control of Your Financial Journey with Lxme<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/lxme.in\/v1\/ways-to-improve-your-cibil-score-quickly\/#FAQs\" >FAQs<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/lxme.in\/v1\/ways-to-improve-your-cibil-score-quickly\/#What_is_a_CIBIL_score_and_why_is_it_important\" >What is a CIBIL score, and why is it important?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/lxme.in\/v1\/ways-to-improve-your-cibil-score-quickly\/#How_can_timely_loan_repayments_improve_my_CIBIL_score\" >How can timely loan repayments improve my CIBIL score?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/lxme.in\/v1\/ways-to-improve-your-cibil-score-quickly\/#Does_checking_my_credit_score_frequently_lower_it\" >Does checking my credit score frequently lower it?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/lxme.in\/v1\/ways-to-improve-your-cibil-score-quickly\/#How_long_does_it_take_to_see_improvements_in_my_CIBIL_score\" >How long does it take to see improvements in my CIBIL score?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n\n<p>Many women face financial hurdles because they might not know <strong>\u2018how to improve CIBIL score quickly?\u2019<\/strong>.<\/p>\n\n\n\n<p>At Lxme we help you understand your finances so you can take control of your future. Let\u2019s break it down step by step.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_a_CIBIL_Score_and_Why_Is_It_Important\"><\/span><strong>What is a CIBIL Score, and Why Is It Important?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A CIBIL score is a 3-digit number that represents your creditworthiness. It ranges from 300 to 900 and a score above 750 is generally considered good. Lenders use this score to decide whether to approve your loans or credit card applications. A higher score means better chances of approval and lower interest rates.<\/p>\n\n\n\n<p>Now, let\u2019s dive into 10 actionable ways on<strong> \u2018<\/strong><strong>how to increase cibil score immediately\u2019<\/strong><strong>.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Check_Your_CIBIL_Report_Regularly\"><\/span><strong>1. Check Your CIBIL Report Regularly<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>First, get your CIBIL report to see where you stand. Errors like wrong information or wrongly reported defaults can pull down your score. Dispute any discrepancies immediately by contacting CIBIL.<\/p>\n\n\n\n<p><strong>Quick Tip:<\/strong> Check your report at least once or twice a year to stay updated.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Pay_Your_Credit_Card_Bills_on_Time\"><\/span><strong>2. Pay Your Credit Card Bills on Time<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Timely payments have the maximum impact on your CIBIL score. Even a single missed payment can negatively impact your credit score.<\/p>\n\n\n\n<p>According to TransUnion CIBIL, 79% of loans are approved for individuals with a CIBIL score above 750, highlighting the importance of consistent on-time payments.*<\/p>\n\n\n\n<p><strong>How to Increase My CIBIL Score:<\/strong> Set reminders or automate payments to ensure you never miss a due date.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Keep_Credit_Utilization_Low\"><\/span><strong>3. Keep Credit Utilization Low<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Using too much of your credit limit signals financial stress to lenders. Aim to keep your credit utilization ratio below 30%.<\/p>\n\n\n\n<p><strong>Example:<\/strong> If your credit limit is \u20b9100,000, try to spend less than \u20b930,000 monthly to maintain a healthy ratio.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_Avoid_Frequent_Loan_Applications\"><\/span><strong>4. Avoid Frequent Loan Applications<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Applying for multiple loans or credit cards in a short span can make you look credit-hungry, which negatively impacts your CIBIL score.<\/p>\n\n\n\n<p><strong>How to Improve CIBIL Score Immediately:<\/strong> Space out your applications and apply for credit only when needed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Use_a_Secured_Credit_Card\"><\/span><strong>5. Use a Secured Credit Card<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If your credit score is low, consider applying for a secured credit card. These cards are issued against a fixed deposit, making them easier to obtain even with a poor credit score.<\/p>\n\n\n\n<p><strong>How to Improve My CIBIL Score:<\/strong> Treat your secured credit card like a new opportunity.&nbsp; Pay off the balance in full each month, and your credit score will gradually increase.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"6_Pay_Off_Outstanding_Loans\"><\/span><strong>6. Pay Off Outstanding Loans<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Clearing outstanding loans reduces your debt burden, which directly boosts your score. Focus on high-interest loans first.<\/p>\n\n\n\n<p><strong>Lxme Tip:<\/strong> Create a repayment plan that suits your income and expenses.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"7_Avoid_Settling_Loans\"><\/span><strong>7. Avoid Settling Loans<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If you\u2019ve defaulted on a loan, lenders may offer a \u201csettlement\u201d option. Avoid this, as it negatively impacts your credit history.<\/p>\n\n\n\n<p><strong>How to Improve My CIBIL Score Quickly:<\/strong> Always repay the full amount owed, even if it takes longer.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"8_Maintain_a_Healthy_Credit_Mix\"><\/span><strong>8. Maintain a Healthy Credit Mix<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Having a mix of secured loans (like home loans) and unsecured loans (like credit cards) showcases your ability to handle different types of credit.<\/p>\n\n\n\n<p><strong>Example:<\/strong> Borrowers with a balanced credit mix tend to have higher scores, according to CIBIL insights.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"9_Dont_Close_Old_Credit_Cards\"><\/span><strong>9. Don\u2019t Close Old Credit Cards<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The longer your credit history, the better it is for your score. Even if you don\u2019t use an old credit card frequently, keep it active.<\/p>\n\n\n\n<p><strong>How to Increase CIBIL Score Immediately:<\/strong> Use old credit cards occasionally to maintain their activity.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"10_Monitor_Co-Signed_or_Joint_Accounts\"><\/span><strong>10. Monitor Co-Signed or Joint Accounts<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If you\u2019ve co-signed a loan, any default by the primary borrower can impact your CIBIL score too. Regularly monitor these accounts to ensure timely repayments.<\/p>\n\n\n\n<p><strong>Lxme Reminder:<\/strong> Communicate with the primary borrower about repayment schedules.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Take_Control_of_Your_Financial_Journey_with_Lxme\"><\/span><strong>Take Control of Your Financial Journey with Lxme<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Improving your CIBIL score isn\u2019t just about numbers; it\u2019s about building a strong financial future. At Lxme, we empower women to understand and manage their finances effectively. Start applying these tips today, and you\u2019ll soon see your score rise.<\/p>\n\n\n\n<p><strong>Your next step?<\/strong> Check your CIBIL score today and take charge of your financial health.<\/p>\n\n\n\n<p><strong>Remember:<\/strong> You\u2019ve got this, and the Lxme &#8211; <a href=\"https:\/\/lxme.in\/\">investment for women<\/a> is here to guide you every step of the way!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span>FAQs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1737449773084\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"What_is_a_CIBIL_score_and_why_is_it_important\"><\/span><strong>What is a CIBIL score, and why is it important?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Your CIBIL score determines your creditworthiness. It affects loan approvals, interest rates, and even credit card offers. A higher score means better financial opportunities.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1737449787019\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"How_can_timely_loan_repayments_improve_my_CIBIL_score\"><\/span><strong>How can timely loan repayments improve my CIBIL score?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Timely repayments are crucial for maintaining a high score. Even one missed payment can lower your score.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1737449800892\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"Does_checking_my_credit_score_frequently_lower_it\"><\/span><strong>Does checking my credit score frequently lower it?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>No, checking your credit score through authorized platforms is considered a \u201csoft inquiry\u201d and doesn\u2019t impact your score.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1737449814070\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"How_long_does_it_take_to_see_improvements_in_my_CIBIL_score\"><\/span><strong>How long does it take to see improvements in my CIBIL score?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Depending on your financial habits, it can take 3 to 6 months to see significant improvements.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [{\n    \"@type\": \"Question\",\n    \"name\": \"What is a CIBIL score, and why is it important?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"Your CIBIL score determines your creditworthiness. It affects loan approvals, interest rates, and even credit card offers. A higher score means better financial opportunities.\"\n    }\n  },{\n    \"@type\": \"Question\",\n    \"name\": \"How can timely loan repayments improve my CIBIL score?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"Timely repayments are crucial for maintaining a high score. Even one missed payment can lower your score.\"\n    }\n  },{\n    \"@type\": \"Question\",\n    \"name\": \"Does checking my credit score frequently lower it?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"No, checking your credit score through authorized platforms is considered a \u201csoft inquiry\u201d and doesn\u2019t impact your score.\"\n    }\n  },{\n    \"@type\": \"Question\",\n    \"name\": \"How long does it take to see improvements in my CIBIL score?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"Depending on your financial habits, it can take 3 to 6 months to see significant improvements.\"\n    }\n  }]\n}\n<\/script>\n\n\n\n<p><strong>Further Read,<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/lxme.in\/must-watch-movies-about-stock-trading-and-investing\/\" target=\"_blank\" rel=\"noreferrer noopener\">Must-Watch Movies About Finance and Investing<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/lxme.in\/difference-between-ctc-vs-in-hand-salary\/\" target=\"_blank\" rel=\"noreferrer noopener\">Ctc vs In-Hand Salary<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/lxme.in\/what-kind-of-short-term-investments-are-perfect-for-women\/\" target=\"_blank\" rel=\"noreferrer noopener\">Best Short Term Investment plans<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Many women face financial hurdles because they might not know \u2018how to improve CIBIL score quickly?\u2019. At Lxme we help you understand your finances so you can take control of your future. Let\u2019s break it down step by step. What is a CIBIL Score, and Why Is It Important? A CIBIL score is a 3-digit <a href=\"https:\/\/lxme.in\/v1\/ways-to-improve-your-cibil-score-quickly\/\" class=\"more-link\">&#8230;<span class=\"screen-reader-text\">  10 Ways to Improve Your CIBIL Score Quickly<\/span><\/a><\/p>\n","protected":false},"author":10,"featured_media":14369,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[657],"tags":[881,882],"class_list":["post-14368","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit","tag-how-to-improve-cibil-score","tag-improve-cibil-score"],"acf":[],"_links":{"self":[{"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/posts\/14368","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/comments?post=14368"}],"version-history":[{"count":4,"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/posts\/14368\/revisions"}],"predecessor-version":[{"id":17266,"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/posts\/14368\/revisions\/17266"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/media\/14369"}],"wp:attachment":[{"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/media?parent=14368"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/categories?post=14368"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/tags?post=14368"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}