Agar aap kisi bhi bank se personal loan, home loan ya credit card ke liye apply karte hain, toh sabse pehle aapka CIBIL (Credit) score check kiya jata hai. Ek accha CIBIL score na sirf aapka loan jaldi approve karwata hai, balki aapko kam interest rate par bhi loan dilwata hai. Is detailed guide mein hum samjhenge ki CIBIL score kya hota hai aur ise 750 se upar kaise le jayein.
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CIBIL Score Kya Hai aur Yeh Kyun Zaroori Hai?
CIBIL score 300 se 900 ke beech ek 3-digit number hota hai, jo aapki loan aur credit card chukane ki history ko darshata hai.
* 750 ya usse zyada: Excellent (Loan turant approve hota hai aur interest rate kam milta hai)
* 650 se 749: Good to Average (Loan mil sakta hai, lekin shartein thodi sakht ho sakti hain)
* 650 se kam: Poor (Loan reject hone ke chances bahut zyada hote hain)
CIBIL Score 750+ Banane ke 5 Asardar Steps
1. Time par EMI aur Credit Card Bill Pay Karein
Aapka payment history aapke credit score ka lagbhag 35% hissa tay karta hai. Ek bhi EMI miss hone par score 20 se 50 points tak gir sakta hai. Hamesha due date se 2 din pehle bill bharein ya net banking mein auto-debit on rakhein.
2. Credit Utilization Ratio (CUR) ko 30% se kam rakhein
Agar aapke credit card ki limit ₹1,00,000 hai, toh mahine mein ₹30,000 se zyada kharch na karein. Agar aap baar-baar puri limit use karenge, toh banks aapko "credit hungry" maante hain, jisse score down hota hai.
3. Ek Saath Multiple Loan Applications Na Daalein
Jab bhi aap alag-alag banks mein ek saath personal loan ke liye apply karte hain, toh har bank aapki credit report check karta hai (jise Hard Inquiry kehte hain). Bar-bar hard inquiry hone se score tezi se girta hai.
4. Credit Report mein Errors (Galtiyan) Check Karein
Kayi baar loan pura chukane ke baad bhi bank ki taraf se reporting late hoti hai, ya kisi aur ka loan aapke PAN card par show hone lagta hai. Saal mein kam se kam do baar apni CIBIL report check karein aur koi galat entry dikhe toh CIBIL portal par dispute raise karein.
5. Secured Credit Card ka Use Karein (Naye Users ke Liye)
Agar aapka koi credit score nahi hai ya score bahut kharab ho chuka hai, toh kisi bhi bank mein Fixed Deposit (FD) ke against Secured Credit Card lein. Is card ko 6–8 mahine time par use aur pay karein, aapka score 750+ ho jayega.
Frequently Asked Questions (FAQs)
* Q1: Kharaab CIBIL score theek hone mein kitna time lagta hai?
* Ans: Lagbhag 6 se 12 mahine regular time par payment karne se score significantly improve ho jata hai.
* Q2: Kya CIBIL score check karne se score kam hota hai?
* Ans: Nahi, jab aap khud apna score check karte hain toh use "Soft Inquiry" kehte hain, isse score par koi asar nahi padta.
* Q3: Minimum kitna score safe maana jata hai?
* Ans: Banks aamtaur par 750 ya usse zyada ke score ko loan ke liye safe maante hain.
Conclusion
CIBIL score ek raat mein nahi badalta, iske liye regular financial discipline zaroori hai. Upayogi steps follow karein, samay par EMI bharein, aur apna score strong banayein.