How To Improve Your Cibil Score Immediately? अपना सिविल स्कोर सुधार करे इस 10 तरीके से तुरंत सुधार जाएगा

How To Improve Your Cibil Score:-Aapki CIBIL score, loans aur credit cards ke liye bahut important hai. CIBIL score ek three-digit number hai jo 300 se 900 tak hota hai. Is score ka higher hona creditworthiness ko show karta hai. Ek accha CIBIL score loans aur credit cards ke liye easy approval aur better interest rate ke liye crucial hai. Agar aapka CIBIL score low hai, toh chinta mat kijiye, ise improve karne ke kuch tips hain. Iss blog post mein hum aapko How To Improve Your Cibil Score karne ke kuch tips denge.

 

1.Apna CIBIL report regular check karein

Apna credit report regularly check karna CIBIL score improve karne ka first step hai. Aap India ke sabhi credit bureaus se ek saal mein ek baar free credit report pa sakte hain, jaise ki CIBIL, Equifax, Experian aur CRIF High Mark. Apna report errors aur discrepancies ke liye check karein aur unhe immediately report karein. Yeh errors kuch bhi ho sakte hain jaise ki incorrect personal information ya mistaken account information. In errors ko rectify karna aapke score ko improve kar sakta hai.

2.Apne bills ko time pe pay karein

Aapke payment history CIBIL score ko negatively ya positively affect karta hai. Late ya missed payments aapke score ko negatively affect karta hai. Apne bills ko time pe pay karna, jaise ki credit card bills, loan EMIs aur dusre bills ko pay karna important hai. Reminders set karein ya automate apne payments ko karein toh ensure karein ki aap koi payment miss na karein. Apne bills ko consistently time pe pay karna aapke score ko improve kar sakta hai.

 

3.Apna credit utilization low rakhein Credit utilization,

aapka credit usage ka amount hai, jisse aapke total credit limit ka percentage pata chalta hai. Apna credit utilization low rakhna important hai, kyuki yeh indicate karta hai ki aap credit pe heavily rely nahi kar rahe hai. High credit utilization ratio aapke score ko negatively affect kar sakta hai. Ek rule of thumb ke hisaab se, apna credit utilization apne total credit limit ke 30% se below rakhein. Jaise ki agar aapka credit limit Rs. 1,00,000 hai, toh apna outstanding balance Rs. 30,000 ke below rakhein.

 

4.Apna credit mix healthy rakhein Ek healthy

credit mix secured aur unsecured loans ka mix hota hai. Secured loans woh loans hote hain jo collateral, jaise ki home loan aur car loan, ke saath backed hote hain. Unsecured loans collateral, jaise ki personal loans ya credit cards ke saath backed nahi hote hain. Ek healthy credit mix indicate karta hai ki aap different types of credit responsibly handle kar sakte hain. Lekin, apna credit mix improve karne ke liye loans ya credit cards na lein jo ki aapko zarurat nahi hai.

 

5.Ek saath bahut saare credit apply na karein

Har baar jab aap credit apply karte hain, jaise ki loan ya credit card, toh lender aapka credit report check karta hai, jo ki hard inquiry ke roop mein recorded hota hai. Too many hard inquiries aapke

6.Purane credit accounts ko close na karein

Apne purane credit accounts ko close karna tempting ho sakta hai, lekin yeh aapke score ko negatively affect kar sakta hai. Purane credit accounts ko close karne se aapka credit history kam ho jata hai, jisse aapke score ko negatively affect karta hai. Iss liye, apne purane credit accounts ko active rakhein aur unhe regularly use karte rahiye. Lekin, yeh dhyan rakhein ki aap apne credit utilization ko control mein rakhte rahiye.

 

7.Apni debt responsibility manage karein

Apni debt responsibility manage karna ek important factor hai CIBIL score improve karne ke liye. Apne loans aur credit cards ke balances ko time pe pay karein aur debt burden ko control mein rakhein. Agar aapke paas bhi  bahut saare loans hai aur credit cards bhi  hai, toh usko  ek schedule mein organize kare aur jaldi pay karna priority de. aapko bata du ki kabhi bhi Credit card balances ko high interest rate ke saath carry forward nahi karein.

 

8.Ek acchi credit history build karein

Ek acchi credit history build karne mein time lagta hai, lekin yeh effort ke layak hai. Dhyan rakhein ki aap time pe payments karte rahiye, apna credit utilization low rakhein aur ek healthy credit mix maintain karein. Yeh habits aapke positive credit history build karne mein madad karenge aur aapke score ko improve karenge.

9.Lenders ke saath negotiation karein

Agar aap apne debt ko pay off karne mein struggle kar rahe hai, toh lenders ke saath negotiation karna consider karein. Aap lenders ke saath lower interest rate, longer repayment terms, ya settlement negotiate kar sakte hai. Settlement ek agreement hai jisme aap apne debt ka portion pay karte hai aur lender baaki ko forgive karta hai. Lekin, settlement aapke score ko short term mein negatively affect kar sakta hai.

10.Professional help maangein

Agar aap CIBIL score improve karne mein struggle kar rahe hai, toh professional help consider karein. Credit counseling agencies aapko debt management aur score improvement mein guidance de sakte hai. Unhone aapke lenders ke saath negotiation kar sakte hai. Lekin, agency ko sign up karne se pehle research karna zaruri hai.

 

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