Credit Score Kaise Sudharein? 750+ Score Pane Ke Tips!
Aaj ke time me agar aapko personal loan, home loan, car loan ya even credit card lena hai, toh credit score bahut important role play karta hai.
Agar aapka score 750+ hai, toh bank ya NBFC aapko better interest rates, high limit aur fast approval dete hain.
Lekin sawal hai — agar aapka credit score low hai, toh ise kaise improve karein? Chaliye step-by-step samajhte hain.
Credit Score Kya Hota Hai?
Credit score ek 3-digit number hota hai jo aapke credit history aur repayment behaviour ko dikhata hai.
India me CIBIL, Experian, Equifax aur CRIF High Mark jaise credit bureaus ye score calculate karte hain.
Score range hoti hai 300 se 900 ke beech:
- 750+ – Excellent (Loan approval aasaan, interest rate kam)
- 700–749 – Good (Loan approval possible, terms thode average)
- 650–699 – Fair (Approval mushkil ho sakta hai)
- Below 650 – Poor (Loan rejection ka high chance)
750+ Credit Score Pane Ke Best Tips
1. Apne Bills & EMIs Time Par Pay Karein
Late payment ya default aapke credit score ko sabse zyada damage karta hai.
📌 Tip: Autopay setup karein taki due date miss na ho.
2. Credit Card Ka Limit Smartly Use Karein
Credit utilization ratio 30% se kam rakhein.
Example: Agar card limit ₹1,00,000 hai, toh ek mahine me ₹30,000 se zyada spend na karein.
3. Old Credit Accounts Band Na Karein
Purane accounts aapki credit history ko lamba banate hain, jo score improve karta hai.
📌 Tip: Chahe use na kar rahe ho, account active rakho.
4. Multiple Loans / Credit Cards Ek Saath Apply Na Karein
Har baar loan ya credit card apply karte waqt hard inquiry hoti hai, jo score ko thoda kam kar deti hai.
5. Credit Report Regularly Check Karein
Har saal free credit report check karein (CIBIL, Experian, etc.)
Agar koi galat entry ho toh dispute raise karein.
6. High-Interest Loans Ko Jaldi Close Karein
Jitni jaldi high-interest loans close karoge, utna kam burden hoga aur repayment capacity strong dikhayegi.
7. Diversified Credit Mix Rakhein
Sirf credit card ya sirf loan na rakhein. Thoda mix — jaise personal loan + credit card + home loan — score ke liye healthy hota hai.
Bonus Tip
Agar aapka score low hai aur urgent loan chahiye, toh secured credit card le sakte ho (FD ke against). Isse score improve hota hai aur loan approval chances badhte hain.
Conclusion
Credit score improve karna ek din ka kaam nahi hai — isme time lagta hai. Lekin agar aap consistent ho, bills time par bharte ho, credit limit ka sahi use karte ho aur credit report clean rakhte ho, toh 6–12 mahine me aap easily 750+ score achieve kar sakte ho.
