सिर्फ 90 दिनों में ऐसे सुधरें अपना CIBIL स्कोर! 100 प्वाइंट तक हो सकता है इजाफा - बस फॉलो कर लें ये Steps

19 July 2025 Image Credit: Canva

90 दिनों में 100 प्वाइंट तक की हो सकती है बढ़त

[{"selector":"#anim-74cc0c9b-2de8-49dc-8458-74f6969cd7e1 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(0%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-5151563c-2be9-43af-8b4a-33027474675a","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-aac90fbd-b9f1-45ce-ab6e-372e6cc3ca77","keyframes":{"transform":["translate3d(0px, 99.14530%, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8284b2af-76f8-48ec-9df9-b13d21e6e3e7","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1f81f083-272b-436f-a825-3e4f9bfb99fa","keyframes":{"transform":["rotate(-360deg) translate3d(123.80952%, 0px, 0) rotate(360deg)","rotate(-360deg) translate3d(0px, 0px, 0) rotate(360deg)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e885e724-34ff-435f-8c09-d449622da6a8","keyframes":{"transform":["translate3d(123.99999%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-018494f0-2b2e-4178-9140-ea2fae5ecd75","keyframes":{"transform":["rotateZ(180deg)","rotateZ(0deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] यदि आप आगे बताए गए स्टेप को लगातार फॉलो करते हैं तो आपका CIBIL स्कोर 90 दिनों के भीतर 50 से 100 अंकों तक बढ़ सकता है। यदि आपका स्कोर 650 है, तो आप 3 महीने में इसे 700-750 तक पहुंच सकते हैं। White Frame Corner Image Credit: Canva

अपना क्रेडिट रिपोर्ट चेक करें

[{"selector":"#anim-ace9d805-34fa-4d62-aec4-db8a812aefbe [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(0%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-86bc42a3-e7bd-4252-b4a5-1fd552c5d3a5","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-82fce334-133d-481b-b2d6-b09be7404994","keyframes":{"transform":["translate3d(0px, 99.27473%, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0e4fb220-60fa-488b-927b-f3c0405bf868","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ca56ee47-53d7-46c0-b480-b9d435a68c37","keyframes":{"transform":["rotate(-360deg) translate3d(123.12926%, 0px, 0) rotate(360deg)","rotate(-360deg) translate3d(0px, 0px, 0) rotate(360deg)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-78eafc2a-9764-45b7-b111-56a2bdd6b7d2","keyframes":{"transform":["translate3d(123.99999%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-94faa3f7-c058-4cb5-b02e-91af438550a1","keyframes":{"transform":["rotateZ(180deg)","rotateZ(0deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] CIBIL, Experian, या CRIF High Mark जैसे आधिकारिक ब्यूरो से अपनी क्रेडिट रिपोर्ट को चेक करें। रिपोर्ट में सभी चीजों पर बारीकि से ध्यान दें खासकर अपने रिपेमेंट हिट्री, ओपन लोन अकाउंट और क्रेडिट कार्ड बैलेंस पर। इससे पता चलेगा की आपका सिबिल स्कोर क्यों गिर रहा है। White Frame Corner Image Credit: Canva

किसी भी गड़बड़ी मिलने पर शिकायत दर्ज करें

[{"selector":"#anim-ed6ec3a0-4e56-4592-8612-d0b1df995c45 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(0%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-444b4260-44ab-4d25-8464-6d242dd835b5","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1c30d832-5578-458b-b7db-255595a18d80","keyframes":{"transform":["translate3d(0px, 100.06242%, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-00861304-2267-4186-ac14-e1ae4a64d3e2","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-06bf7d78-18b2-4dba-ab9c-b313902b51c1","keyframes":{"transform":["rotate(-360deg) translate3d(123.80952%, 0px, 0) rotate(360deg)","rotate(-360deg) translate3d(0px, 0px, 0) rotate(360deg)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-bb70358a-fa2d-4eb1-b2fd-218d14aa5538","keyframes":{"transform":["translate3d(123.50001%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-fcb70907-5648-474c-b2dd-9e3d17df83a7","keyframes":{"transform":["rotateZ(180deg)","rotateZ(0deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] अगर आपको अपने क्रेडिट रिपोर्ट में कोई गड़बड़ी मिलती है, तो सीधे बैंक या कस्टमर केयर में कॉल कर या ब्यूरो की वेबसाइट पर शिकायत दर्ज करें। अगर किसी गलती से आपका सिबिल स्कोर गिरा है तो उसे ठीक करने का ये सबसे तेज तरीकों में से एक है। White Frame Corner Image Credit: Canva

सभी ईएमआई और क्रेडिट कार्ड बिल समय पर चुकाएं

[{"selector":"#anim-febf5b38-9d89-414a-a6fa-771c93912aaf [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(0%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-855fa321-130b-46e6-b46f-77cf3483b010","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d508569c-ad44-4840-9339-acd5ffbd108c","keyframes":{"transform":["translate3d(0px, 100.07077%, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-73a63368-299d-4425-af0a-f7284df7b7fd","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-33ab4799-9620-458c-b795-0ff83f55ad4e","keyframes":{"transform":["rotate(-360deg) translate3d(123.80952%, 0px, 0) rotate(360deg)","rotate(-360deg) translate3d(0px, 0px, 0) rotate(360deg)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1a22cc59-00a0-44d0-801d-29c3a1fb7987","keyframes":{"transform":["translate3d(123.50001%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-90eedab4-862e-4c9e-bad9-ece88ef552ce","keyframes":{"transform":["rotateZ(180deg)","rotateZ(0deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] आपका पेमेंट हिस्ट्री आपके सिबिल स्कोर पर सबसे ज्यादा प्रभाव डालता है। अगर आप 90 दिनों के भीतर अपना स्कोर सुधारना चाहते हैं, तो ईएमआई और क्रेडिट कार्ड बिलों का समय पर भुगतान करना जरूरी है। White Frame Corner Image Credit: Canva

क्रेडिट कार्ड का उपयोग उसके लिमिट से 30% तक ही करें

[{"selector":"#anim-b4f2812d-dba9-4fab-bba8-4660c15bd80e [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(0%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-f1658f39-c9e1-4286-ad1f-a6dcd8f12f0f","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0850f088-d6e7-44be-8135-e7c1b992a4a0","keyframes":{"transform":["translate3d(0px, 100.07077%, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7dcc552a-cfe7-44ce-8677-b44fb9121e34","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4e7ddd63-ee16-48d0-b2d8-3ed5bfeedebf","keyframes":{"transform":["rotate(-360deg) translate3d(123.80952%, 0px, 0) rotate(360deg)","rotate(-360deg) translate3d(0px, 0px, 0) rotate(360deg)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0cc9d623-04fb-4b1b-93cb-f58976ffd9e3","keyframes":{"transform":["translate3d(123.50001%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-c75a87d0-0998-4c7f-97e3-f675103397b2","keyframes":{"transform":["rotateZ(180deg)","rotateZ(0deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] क्रेडिट कार्ड लिमिट का सिर्फ 30% ही इस्तेमाल करें। इससे ज्यादा करने पर क्रेडिट स्कोर कम हो सकता है। उदाहरण के लिए, यदि आपकी क्रेडिट सीमा ₹1,00,000 है, तो हर महीने ₹30,000 या इससे कम खर्च करें। White Frame Corner Image Credit: Canva

नए लोन या क्रेडिट कार्ड के लिए अप्लाई करने से बचें

[{"selector":"#anim-03b52d66-8ce4-4f55-a8c9-e8078acc65d4 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(0%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-b41e891e-7dbb-4c35-9bb8-9de9f2feb89a","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-bab22d44-572a-456a-936c-ca051b128655","keyframes":{"transform":["translate3d(0px, 100.07077%, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-eb5aaf67-fb16-46b9-b166-9988110b930e","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2aecd455-aed3-40da-b855-2e1a63642eff","keyframes":{"transform":["rotate(-360deg) translate3d(123.80952%, 0px, 0) rotate(360deg)","rotate(-360deg) translate3d(0px, 0px, 0) rotate(360deg)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-45f04efa-86b9-4802-b0b7-c5bbfb0a0f98","keyframes":{"transform":["translate3d(123.50001%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-55a6f28a-7d89-4c9c-8934-e3ae4f712c8f","keyframes":{"transform":["rotateZ(180deg)","rotateZ(0deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] अपने 90-दिन के स्कोर-सुधार अवधि के दौरान, नए क्रेडिट कार्ड के लिए आवेदन या फिर नए लोन के लिए अप्लाई करने से बचें। अधिक बार लोन या क्रेडिट कार्ड के लिए अप्लाई करने से आपका क्रेडिट स्कोर कम होता है। White Frame Corner Image Credit: Canva

पुराने लोन या बिल तुरंत चुकाएं

[{"selector":"#anim-d79c74a5-6a65-4cad-8d88-ca3ec1ce1ac7 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(0%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-d75252a0-657b-4948-b576-4426463dffd4","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-89979874-8855-417a-939d-d2e245cbefcc","keyframes":{"transform":["translate3d(0px, 100.06072%, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0e560a87-1553-40a9-8a2a-91d8544bbf5b","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ce68e222-da82-4026-8c32-71b2b8c2fba4","keyframes":{"transform":["rotate(-360deg) translate3d(123.80952%, 0px, 0) rotate(360deg)","rotate(-360deg) translate3d(0px, 0px, 0) rotate(360deg)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f01c744b-8204-4eb4-9e83-0528b756420f","keyframes":{"transform":["translate3d(123.50001%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-94944ec2-bfde-463d-be7d-f33971e775ce","keyframes":{"transform":["rotateZ(180deg)","rotateZ(0deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] यदि आपके पुराने या आंशिक रूप से चुकाए गए ऋण "निपटान" या "बट्टे खाते में डाले गए" के रूप में चिह्नित हैं, तो उन्हें पूरी तरह से चुकाने का प्रयास करें। इन बकाया राशियों का भुगतान करने से कुछ ही हफ्तों में आपका सिबिल स्कोर बढ़ा सकता है। White Frame Corner Image Credit: Canva

हर महीने अपने प्रगति पर नजर रखें

[{"selector":"#anim-94f86f20-d288-4cb4-a6b3-ea971fa10aac [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(0%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-09b6d543-fa32-4932-b57a-d1b7fca1687b","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-43e86207-ff05-48f4-adc4-a2741b580961","keyframes":{"transform":["translate3d(0px, 100.06313%, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1ddbc41b-fc66-4eb1-a8ae-3fca2141efc9","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-41e72755-d299-4683-9e4f-a3e5fd24ad2d","keyframes":{"transform":["rotate(-360deg) translate3d(123.80952%, 0px, 0) rotate(360deg)","rotate(-360deg) translate3d(0px, 0px, 0) rotate(360deg)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7ad0ee91-01c8-4f0f-9882-9dcabfebb624","keyframes":{"transform":["translate3d(123.50001%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-4aa81002-98fb-4198-b71a-b2818868c383","keyframes":{"transform":["rotateZ(180deg)","rotateZ(0deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] सिबिल स्कोर को सुधारना एक प्रक्रिया है इसलिए OneScore, CreditMantri या अपने बैंक के ऐप जैसे प्लेटफॉर्म का उपयोग करके अपनी प्रगति पर नियमित रूप से नजर रखें। आपका स्कोर आमतौर पर हर 30-45 दिनों में अपडेट होता है। White Frame Corner Image Credit: Canva

संबंधित खबरें Gold Rate Today: शुक्रवार को सोने की कीमतों में मामूली तेजी! दिल्ली से लेकर चेन्नई तक यहां चेक करें लेटेस्ट रेट Gold Rate Today: गुरुवार को सोने की कीमतों में मामूली इजाफा - चेक करें लेटेस्ट रेट Gold Rate Today: सोना खरीदने का सुनहरा मौका! सस्ता हुआ गोल्ड, यहां चेक करें लेटेस्ट रेट Gold Rate Today: आपके शहर में सोना हुआ सस्ता, देखें आज का भाव Gold Rate Today: सोमवार को सोने की कीमतों में मामूली तेजी! दिल्ली से लेकर चेन्नई तक - चेक करें लेटेस्ट रेट लोन डिफॉल्ट करने पर क्रेडिट स्कोर कम होने के अलावा और क्या-क्या होता है? आज जान लीजिए Gold Rate Today: बुधवार को लुढ़क गया सोने का भाव! यहां चेक करें दिल्ली से लेकर चेन्नई तक का रेट Gold Rate Today: सोने की कीमतों में उछाल, चेक करें आपके शहर में आज का लेटेस्ट रेट Gold Rate Today: सस्ता हुआ सोना! यहां चेक करें आपके शहर में क्या है लेटेस्ट रेट?