Kissht - 4 Easy Ways to Improve your CIBIL Score Quickly in India
                     
PAY YOUR BILLS ON 
TIME
One of the most important factors in 
improving your CIBIL score is paying your 
bills on time.
Timely payments of credit card bills, loan 
EMIs, and utility bills show your ability to 
manage debt responsibly. Lenders, when 
you apply for a loan online, will assess your 
payment history to gauge your reliability. 
Consistently paying bills on time is one of 
the fastest ways to improve your score.
MAINTAIN A LOW 
CREDIT UTILIZATION 
RATIO
To maintain a low credit utilization ratio, 
you can opt for a personal loan from an 
online loan app to consolidate existing 
debts and reduce your credit card 
balances. By reducing outstanding 
credit, you will improve your CIBIL score, 
making it easier to qualify for
low-interest loans and other 
financial products.
CHECK YOUR CREDIT 
REPORT 
REGULARLY
Errors in your credit report can affect your 
CIBIL score. It’s essential to review your 
credit report periodically to ensure that 
no errors or fraudulent activities are 
affecting your score.
You can obtain a free copy of your credit 
report once a year from CIBIL. If you find 
any discrepancies, raise a dispute with 
CIBIL immediately. Keeping an eye on 
your credit score also helps you plan 
better when you decide to apply 
personal loan in the future.
USE A COMBINATION OF 
CREDIT PRODUCTS
Having a mix of credit products, such as a 
cash loan app, instant small loans, or 
short-term loans, can improve your credit 
score. A diversified credit portfolio 
demonstrates to lenders that you can 
manage different types of debt 
responsibly. If you have never used a 
personal loan before, consider taking out a 
quick personal loan or instant personal 
loan for a small amount and repay it on 
time. This will not only add variety to your 
credit profi le but will also show that you 
are capable of handling different types of 
credit.