आपका CIBIL Score यह निर्धारित करने में एक महत्वपूर्ण कारक है कि आपको Loan स्वीकृत किया जाएगा या नहीं। यहां आपके CIBIL Score को बेहतर बनाने के टिप्स दिए गए हैं।

अपनी क्रेडिट रिपोर्ट जांचें नियमित रूप से अपनी क्रेडिट रिपोर्ट की जांच करना एक अच्छा विचार है क्योंकि यह आपको दो चीजें बताएगा जो आपके क्रेडिट स्कोर के लिए बिल्कुल महत्वपूर्ण हैं।

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त्रुटियों में सुधार करें आपको आधिकारिक वेबसाइट www.CIBIL.com पर जाकर सभी त्रुटियों का तुरंत विरोध करना चाहिए, आप उस लेनदेन का निर्धारण कर सकते हैं जिससे आप असहमत हैं या त्रुटि की पहचान कर सकते हैं।

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अपने क्रेडिट उपयोगिता अनुपात पर ध्यान दें सुनिश्चित करें कि आप सभी लेन-देन के लिए अपने क्रेडिट कार्ड का उपयोग नहीं करते हैं। कोशिश करें और अपना क्रेडिट उपयोग अनुपात 30% या उससे कम रखें।

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अस्वीकार किए जाने पर क्रेडिट के लिए आवेदन करना जारी न रखें यदि आपने ऋण या क्रेडिट कार्ड के लिए आवेदन किया है और आपका आवेदन अस्वीकार कर दिया गया है, तो जानकारी आपकी क्रेडिट रिपोर्ट में दर्ज की जाएगी।

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क्रेडिट के लिए हर बार आवेदन करने की आवृत्ति रखें, बैंक CIBIL से आपकी क्रेडिट रिपोर्ट मांगेगा और पूछताछ को रिपोर्ट में दर्ज किया जाएगा।

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अपने ऋणों का भुगतान करें यदि कोई ऐसा ऋण है जिसका भुगतान करने में आप देरी कर रहे हैं तो आपको भुगतान के साथ शीघ्रता शुरू करने को अपनी प्राथमिकता बनानी चाहिए।

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अपने क्रेडिट कार्ड का भुगतान समय पर करें जब क्रेडिट कार्ड की बात आती है, तो सबसे अच्छी बात यह है कि अपने क्रेडिट कार्ड की सीमा के बहुत करीब न आएं।

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ऋण और क्रेडिट कार्ड का निपटान न करें कई बार लोग क्रेडिट कार्ड या लोन को सेटल करने का विकल्प चुनते हैं।

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