{"id":9295,"date":"2016-10-05T22:01:03","date_gmt":"2016-10-05T22:01:03","guid":{"rendered":"https:\/\/manikarthik.com\/blog\/?p=9295"},"modified":"2020-02-25T11:22:29","modified_gmt":"2020-02-25T11:22:29","slug":"high-cibil-credit-score","status":"publish","type":"post","link":"https:\/\/manikarthik.com\/blog\/high-cibil-credit-score\/","title":{"rendered":"How To Get a 700+ CIBIL Credit Score"},"content":{"rendered":"

If you don’t know what a CIBIL credit score is, it’s perfectly fine. But one day, you will need it, especially if you’re applying for a loan<\/a> or buying a house. In my opinion, it’s better to learn about CIBIL credit scores early on so that you don’t have to worry about it later. In this article, we will talk about how to get a perfect CIBIL score<\/a>.<\/p>\n

To learn about CIBIL score, check out this article<\/a>.<\/p>\n

Here are my tips to improve and get a high CIBIL credit score (700+)<\/p>\n

    \n
  1. Do not keep your credit card bills unpaid every month. Pay them off in full as they are billed every month (not before they show up).<\/li>\n
  2. Buy things only for less than 20-30% of your credit limit. This is the ideal credit utilization limit, stick to it.<\/li>\n
  3. Do not get too many credit cards at the same time (unless you know them really well). 2-3 would be ideal.<\/li>\n
  4. Do not apply for a lot of loans at the same time, where they do a hard credit check. Too many applications can mean you are desperate for money.<\/li>\n
  5. Do not keep credit cards un-used. Pay them off early on and keep the utilization ratio low (<30%)<\/li>\n
  6. Get a secured credit card, if your credit card is low. Pay off the balances every month in full, and let your score increase.<\/li>\n<\/ol>\n

    Also read: How to increase credit score<\/a><\/p>\n

    So essentially, CIBIL credit score is all about your credit worthy-ness. There are many apps available today, that will help you to check your CIBIL credit score for free (keep away from scams). Use them to get a baseline number, be it low or good. Then use the tips above to improve your score, as you go.<\/p>\n

    All the best!<\/p>\n","protected":false},"excerpt":{"rendered":"

    If you don’t know what a CIBIL credit score is, it’s perfectly fine. But one day, you will need it, especially if you’re applying for…<\/p>\n","protected":false},"author":1,"featured_media":2218,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[33],"tags":[],"class_list":["post-9295","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nri-finance"],"modified_by":"Mani Karthik","menu_order":0,"_links":{"self":[{"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/posts\/9295","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/comments?post=9295"}],"version-history":[{"count":1,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/posts\/9295\/revisions"}],"predecessor-version":[{"id":19224,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/posts\/9295\/revisions\/19224"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/media\/2218"}],"wp:attachment":[{"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/media?parent=9295"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/categories?post=9295"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/tags?post=9295"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}