A low CIBIL score can create big hurdles — not just for loans and credit cards but also for getting a new job, renting a house, or securing a business loan. Many people feel stuck when their credit score drops, but the good news is that you can improve it yourself — for free — if you follow the right steps.
Here’s a detailed guide with 7 practical tips you can start today to rebuild your credit score on your own — and how Credit Experts can step in if you need professional support.
? 1?? Check Your CIBIL Report Regularly
The first step is knowing what’s wrong. Many people don’t even realise that wrong information, duplicate loans, or old settled loans showing as ‘active’ are pulling their score down.
Action Steps:
- Download your free CIBIL report from www.cibil.com at least twice a year.
- Carefully check each loan account — are all the loan amounts, statuses, and dates correct?
- Look for any loans you didn’t take — sometimes banks wrongly map other people’s loans to your PAN.
- Save a copy of each report so you can compare it later.
?Pro Tip: Use a highlighter to mark suspicious entries — it makes it easier to track corrections later.
? 2?? Pay All EMIs and Credit Card Bills on Time
Your payment history makes up about 35% of your credit score — so this is the single most important factor.
One missed payment — even by a few days — can knock off 50–100 points. More delays? Bigger damage.
Action Steps:
- Use auto-debit or standing instructions for all EMIs.
- Set multiple payment reminders on your phone.
- If you can’t pay the full credit card bill, pay at least the minimum amount — but always clear it fully next month to avoid high interest.
?Pro Tip: Never ignore reminders from your bank — even one unpaid credit card bill can turn into a ‘written-off’ account if ignored for too long.
? 3?? Clear Small Pending Dues Immediately
A common mistake: ignoring small dues like annual card charges, old credit card balances, or leftover EMIs under ?1,000. These small amounts quietly become big problems — and banks report them as overdue.
Action Steps:
- Log in to your bank and credit card accounts — check for any ‘uncleared’ balance.
- Clear old credit card balances — even if they’re tiny.
- Always ask for a No Due Certificate when you finish paying a loan.
? 4?? Keep Your Credit Card Utilization Below 30%
One big factor that lowers your score is high utilization — using too much of your credit card limit regularly.
Example: If you have a credit card limit of ?1,00,000, try not to spend more than ?30,000 at any time. Banks see high usage as risky behaviour — even if you pay on time.
Action Steps:
- Increase your limit if you’re eligible — so your usage ratio stays low.
- If you need to spend more, split expenses across two cards.
- Pay your dues before the statement date if possible.
? 5?? Avoid Multiple Loan & Credit Card Applications at Once
Whenever you apply for a loan or card, banks make a hard enquiry. Too many hard enquiries in a short time lower your score because lenders think you’re ‘credit hungry’.
Action Steps:
- Apply for new credit only when necessary.
- Space out applications — don’t apply for 2–3 cards or loans together.
- Use pre-approved offers carefully — check your eligibility first.
? 6?? Don’t Close Old Credit Cards
Closing an old credit card account might sound good, but it actually shortens your credit history length, which affects about 15% of your credit score.
Action Steps:
- Keep your oldest cards open — even if you rarely use them.
- Use them for small expenses every few months to keep them active.
- If the card has high annual charges, negotiate with the bank or ask for a basic lifetime-free card.
? 7?? Dispute Errors Promptly
Sometimes your score stays low because of incorrect reporting — like old loans marked ‘active’, wrong payment history, or duplicate accounts. These errors won’t fix themselves — you have to act.
Action Steps:
- If you find an error, file a dispute directly through the CIBIL portal.
- Keep all proof ready — payment receipts, bank letters, NOCs.
- Follow up regularly — banks sometimes delay updates.
?Pro Tip: If you’re stuck with unresponsive banks or complex disputes, professionals like Credit Experts can handle the entire process for you — contacting the bank, drafting letters, and closing the issue properly.
? When Should You Get Professional Help?
Sometimes, despite your best efforts, mistakes, settlements, or written-off accounts stay stuck for years because banks don’t respond. If your disputes drag on for months, or if you feel overwhelmed, don’t wait — get professional help.
Credit Experts is a Bangalore-based agency specialising in clearing CIBIL issues legally and properly — no shortcuts, no fake reports.
?Need help clearing your CIBIL report or handling complex disputes?
Visit ?www.creditexperts.in
Call us: +91 9743430811 | ??support@creditexperts.in
Protect your score — it’s your financial reputation!