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cibil score

CIBIL Score

A CIBIL Score is a three-digit numeric representation of your creditworthiness, ranging from 300 to 900. It is issued by TransUnion CIBIL, India’s leading credit bureau. Lenders such as banks, NBFCs, and financial institutions use this score to evaluate how responsibly you have handled credit in the past.

Benefits of Having a High CIBIL Score

  • ✔ Easy loan approval
  • ✔ Low EMIs due to reduced interest rates
  • ✔ Access to premium credit cards
  • ✔ Higher credit limits
  • ✔ Better negotiation power with banks

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Why is the CIBIL Score Important?

A good score helps you with:

  • ✔ Faster loan approval
  • ✔ Lower interest rates
  • ✔ Higher loan amounts
  • ✔ Better credit card offers
  • ✔ Pre-approved loan eligibility

How to Improve Your CIBIL Score?

Follow these steps to increase your score:

  • ✔ Pay EMIs and credit card bills on time
  • ✔ Maintain credit card usage below 30%
  • ✔ Avoid multiple loan applications
  • ✔ Regularly check your credit report for errors
  • ✔ Keep old accounts active to maintain credit history
  • ✔ Maintain a healthy credit mix
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