CIBIL Score Kya Hai ?
CIBIL score ek prakar ka number hai jo aapki aarthik avastha aur udhar lene ki chhamta ko darshata hai. Ye score 300 se lekar 900 tak hota hai. Jitna jyada score hoga, utni hi asaan se aapko loan milega aur apki financial health achhi mani jayegi.
CIBIL Score Badhane Ke Tarike
Ye nichhe kuch steps likhe huye h aap inhe follow kar ke asani se apna CIBIL score badha sakte hai
- Samay Par Loan Aur Credit Card Ki EMI Bhare
Apne loan aur credit card ki EMI ko samay par bhare. Agar aap apne payment ko time par nahi bharenge, to aapka CIBIL score gir sakta hai.
2. Credit Utilization Ka Dhyan Rakhe
Apne credit card ka balance jyada na bhare. Credit limit ka 30% se jyada use na kare. Agar aapka card limit 10,000 rupees hai, to 3,000 rupees se jyada na bhare.
3. Old Credit Accounts Ko Band Na Kare
Purane credit accounts ko band karne se aapka score gir sakta hai. Yadi aapke paas purane accounts hain, to unhe chhodein aur achhe payment record ke saath chalte rahein.
4. Credit Report Ki Jaankari Rakhe
Apne CIBIL report ko regular check karen. Galtiyan milne par turant sahi karen. Report me galtiyan aapke score ko affect kar sakti hain.
5. Credit Mix Ko Maintain Kare
Achha score paane ke liye aapko alag-alag prakaar ke loans aur credit cards ka mix hona chahiye. Jaise ki ek personal loan aur ek credit card.
6. Nayi Credit Ki Darkhwast Na Kare
Bahut zyada nayi credit applications na karen. Har naye application se apka score gir sakta hai, isliye zarurat ke hisab se hi apply kare
7. Saaf Safai Se Kaam Kare
Apne financial transactions aur records ko sahi tarah se manage karein. Aapke records saaf aur sahi hone chahiye taki future me koi bhi problem na aaye.
In steps ko apna kar aap apne CIBIL score ko behtar bana sakte hain aur future me loans aur financial assistance ko asaani se le sakte hain.
Ummid h ki apko ye post achha laga hoga comment section me mujhe apni ray awashya de.