In today’s world of finance, a good credit profile is a must. Whether you apply for a home loan, a personal loan, or even a credit card, your CIBIL score is a game changer. Don’t worry if your score is around 600, though — you’re not alone and can increase it. This guide will help you through a step-by-step process to improve your CIBIL score from 600 to 750 and answer some of your frequently asked queries.
What is a CIBIL Score?
A CIBIL score is a 3-digit number between 300 and 900 provided by TransUnion CIBIL (Credit Information Bureau India Limited) reflecting your credit or loanworthiness. The nearer you are to 900, the more likely is the trust of lenders in you for credit.
Here’s a general range breakdown:
| CIBIL Score | Rating | What It Means |
| 750 – 900 | Excellent | Very high chances of loan approval |
| 700 – 749 | Good | Likely to get credit approval easily |
| 650 – 699 | Average | May face higher interest rates |
| 600 – 649 | Poor | Credit approval is difficult |
| 300 – 599 | Very Poor | Likely to be rejected by most lenders |
Why is a Good CIBIL Score Important?
A higher CIBIL score means:
- Easier loan and credit card approvals
- Lower interest rates
- Higher credit limits
- Better negotiation power with banks and lenders
If your current score is around 600, it’s time to take proactive steps to increase CIBIL score to the ideal range — 750 or higher.
How to Increase CIBIL Score from 600 to 750
Improving your CIBIL score is not an overnight job, but with consistent effort, it’s absolutely achievable. Follow these proven tips:
1. Check Your Credit Report Regularly
Start by reviewing your credit report from CIBIL. Check for:
- Errors in loan amounts
- Incorrect payment history
- Accounts you didn’t open
Pro Tip: Dispute any inaccuracies immediately — correcting these alone can boost your score.
2. Clear Outstanding Dues
Your repayment history greatly influences your credit score. Consistently making payments on time and in full can positively impact your score, while missed or late payments can have an adverse effect. If you’ve missed EMIs or credit card bills:
- Pay off overdue amounts ASAP
- Set up reminders or auto-debit for future payments
Consistency in repayment builds trust with lenders.
3. Lower Your Credit Utilization Ratio
Your credit utilization ratio (CUR) should ideally be under 30%.
If you’re consistently maxing out your credit card, it’s seen as a red flag.
Example:
If your credit limit is ₹1,00,000, keep usage under ₹30,000.
4. Avoid Applying for Multiple Loans at Once
Whenever you apply for a loan or a credit card, it results in a hard inquiry on your credit report. Excessive inquiries within a short period can negatively impact your credit score.
Apply only when necessary, and wait at least 3-6 months between credit applications.
5. Build a Healthy Credit Mix
A mix of secured (like home/car loans) and unsecured credit (personal loan, credit cards) shows responsible financial behavior.
6. Increase Credit Limit (Without Increasing Usage)
You may ask your bank to raise your credit limit.
Caution: Don’t use the full amount — the goal is to improve your credit utilization ratio.
7. Don’t Close Old Credit Cards
Maintaining older accounts can lengthen your credit history, which may lead to a better credit score.
Instead of closing old cards, maintain their activity by using them minimally and making timely payments.
Does your CIBIL score decrease if you check it frequently?
No — checking your own CIBIL score Frequently does NOT decrease it.
This is a common myth. Viewing your credit score is a soft inquiry and does not affect your CIBIL score.
But when lenders check your score (like when you apply for a loan or credit card), it’s considered a hard inquiry, which can slightly ding your score if you do it too often.
How Often Should You Check Your CIBIL Score?
It’s a smart financial habit to check your CIBIL score at least once every three months. This allows you to:
- Monitor your progress regularly if you’re working on improving your credit score. Tracking your efforts helps you stay on course and make necessary adjustments.
- Identify any unexpected dips or red flags early.
- Monitor for fraud or identity theft.
- Verify that your loan or credit card details are correctly reported on your credit report.
Many users believe that frequently checking your credit score might harm it — but this is a myth. As discussed earlier, self-checks are soft inquiries, and they don’t affect your score at all.
Pro Tip: Set a calendar reminder every quarter to check your credit report. You can visit CIBIL’s official website or third-party platforms providing free credit tracking.
Monitoring your credit score is a savvy means of monitoring and managing your financial reputation.
Is there a difference between a CIBIL score and a credit score?
Yes and no.
- CIBIL score is a type of credit score issued by TransUnion CIBIL.
- Credit score is a broader term — other bureaus like Experian, Equifax, and CRIF High Mark also offer credit scores.
So, all CIBIL scores are credit scores, but not all credit scores are from CIBIL.
Is 750 a Good CIBIL Score?
Absolutely, yes!
A CIBIL score of 750 or above is considered excellent by most banks and NBFCs. With this score:
- You’ll be eligible for most loans and credit cards.
- You can negotiate better interest rates
- You’ll enjoy faster approval and higher limits
If you’re currently at 600, hitting 750 is a realistic and worthy goal.
FAQs About Increasing Your CIBIL Score
Q1: How long does it take to increase CIBIL score from 600 to 750?
A: With disciplined financial behavior, it usually takes 6 to 12 months.
Q2: Will paying only the minimum due on my credit card help my score?
A: No. Always pay the full amount to build a positive repayment history.
Q3: Should I take a small loan to build my CIBIL score?
A: Yes, if managed responsibly. A small personal loan repaid on time can help improve your score.
Q4: Can closing a credit card lower my score?
A: Yes. It can reduce your total credit limit and credit age, both of which impact your score negatively.
Q5: Is checking my CIBIL score free?
A: Yes, you can check your score once a year for free on the official CIBIL website.
Final Tips to Maintain a Good CIBIL Score
- Consistently making timely payments for your EMIs and bills helps build a positive credit history and improve your credit score.
- Keep your credit utilization under 30%
- Don’t apply for credit too frequently.
- Maintain a mix of credit types.
- Regularly check your credit report for errors.
- Be financially disciplined and patient.
Call to Action
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- Check your CIBIL report, correct any issues, and apply the steps above consistently.
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