How to Improve Your CIBIL Score in 3 Months

✅ Updated July 2025 | Proven Indian Techniques | No Cost Methods

📊 What Is a Good CIBIL Score?

CIBIL score ranges from 300 to 900. A score above 750 is considered good for getting loans or credit cards at lower interest rates.

🚀 Why Improve Your CIBIL Score?

📅 7 Actionable Steps to Improve CIBIL Score in 3 Months

1. Pay All EMIs and Credit Card Bills on Time

Payment history makes up 35% of your credit score. Set reminders or auto-pay options to avoid delays.

2. Reduce Credit Utilization Below 30%

If your credit card limit is ₹1,00,000, try to use less than ₹30,000 at any time. This shows you're not over-relying on credit.

3. Don’t Apply for Multiple Loans at Once

Each application creates a hard inquiry, which lowers your score temporarily. Space out your applications.

4. Use a Secured Credit Card

If your score is low, get a secured credit card backed by a fixed deposit. It builds credit without major risk.

5. Check Your CIBIL Report for Errors

Visit cibil.com to get one free report per year. Dispute any incorrect entries online.

6. Avoid Closing Old Credit Accounts

Old accounts add to your credit history length, which boosts your score. Keep them open even if unused.

7. Diversify Credit Types

Use a mix of secured (home loan) and unsecured (credit card) credit. It improves your score in the long run.

🧮 How Long Will It Take to See Results?

Most people start seeing improvements within 60–90 days. However, consistency is key — continue good habits beyond 3 months.

📈 Tools to Track Your Credit Score