खराब CIBIL Score की वजह से नहीं मिल रहा लोन, जानिए, ठीक करने का तरीका

कई बार घर, कार, बाइक या कोई भी महंगी चीज खरीदने के लिए अक्सर बैंक से लोन लेने की जरूरत पड़ जाती है।

जिसमें आपको ज्यादातर बार लोन मिल भी जाता है। लेकिन कई बार आपको बैंक की ओर से बताया जाता है कि, आपका CIBIL Score अच्छा नहीं है।

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किसी भी तरह का लोन देने से पहले सभी बैंक और फाइनेंस कंपनी सबसे पहले आपका CIBIL Score चेक करती हैं।

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अगर आपका स्कोर 750 से ज्यादा है, तो बैंक या फाइनेंस कंपनी आपको आसानी से लोन दे देती है।

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वहीं अगर आपका स्कोर 750 से कम रहता है तो बैंक लोन देने से माना कर देते है।

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अगर आपका भी CIBIL Score 750 से कम है तो आज हम आपको कुछ ऐसी स्टेप्स बताने जा रहे हैं। जिससे आप कुछ ही दिनों में अपना CIBIL Score ठीक कर सकते हैं।

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जब भी आप बैंक से लोन ले लेते हैं या फिर क्रेडिड कार्ड से ज्यादा खरीदारी करते हैं और बैंक लोन या क्रेडिड कार्ड के बिल जा भुगतान समय पर नहीं कर पाते।

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इसका सीधा असर आपके CIBIL Score पर पड़ता है। अगर आपने भी लोन या क्रेडिड कार्ड से शॉपिंग करते है तो आपको इसका समय पर भुगतान करना चाहिए।

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CIBIL Score को ठीक रखने के लिए क्रेडिड कार्ड बिल और लोन के EMI का भुगतान समय पर करें।

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CIBIL Score को ठीक रखने के लिए अपने क्रेडिट लिमिट का 30% ही यूज करें

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आपको छोटे-छोटे लोन समय-समय पर लेते रहने चाहिए और लोन के EMI को टाइम पर भरते रहें। इससे आपका CIBIL Score अपने आप ठीक हो जाएगा।

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कभी भी क्रेडिट कार्ड बंद न करें, इसके साथ ही क्रेडिट कॉर्ड से समय-समय पर शॉपिंग भी करते रहना चाहिए और बिलों का पेमेंट करते रहना चाहिए।

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