CIBIL Score को बेहतर बनाने के तरीके

आज के समय में लोन लेने के लिए डॉक्यूमेंट और इंकम प्रूफ के साथ-साथ एक अच्छा CIBIL Score का भी होना बहुत जरूरी है।

कई बार लोन के EMI या क्रेडिट कार्ड के बिल को टाइम पर न भरने के कारण CIBIL Score कम हो जाता है।

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अगर आपका भी CIBIL Score किसी वजह से कम हो गया है तो अगले स्लाईड में बताए गए तरीकों से अपना CIBIL Score बेहतर बना सकते हैं।

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1. CIBIL Score को बेहतर बनाने के लिए सबसे पहले आप वर्तमान में चल रहें लोन के EMI या क्रेडिट कार्ड के बिल को समय पर चुकाएं।

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2. नए क्रेडिट कार्ड लेने से पहले अपने पिछले क्रेडिट कार्ड के बिल को पूरा भरें, अगर जरूरत हो तभी नए क्रेडिट कार्ड लेने के बारे में सोचें।

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3. CIBIL Score को अच्छा बनाए रखने के लिए अपने कुल क्रेडिट सीमा के केवल 30% तक क्रेडिट का उपयोग करें

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4. अगर कोई पूराना लोन है तो उसे समय से पहले बंद ना करें, ऐसा करने से आपके CIBIL Score का बूरा असर पड़ता है।

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5. मल्टीपल लोन लेने से बचें, ऐसा करने से लोन के EMI को भुगतान करने में मुश्किल हो सकता है।

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6. अगर आपका लोन एक बार रिजेक्ट हो जाता है तो बार-बार लोन के लिए आवेदन ना करें, ऐसा कने से CIBIL पर हार्ड इंक्वायरी होता है, जो आपके क्रेडिट स्कोर को कम कर सकता है।

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