Credit Score & CIBIL Guides
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What Is a Good CIBIL Score?
The 300–900 range explained and what lenders look for.
How to Improve Your CIBIL Score
Practical, realistic steps and timelines.
How to Check Your CIBIL Score Free
Your free annual report and how to fix errors.
Credit Utilisation Ratio
What it is, the ideal level, and how to lower it.
Hard Inquiry
What triggers it, and how it differs from a soft inquiry.
Soft Inquiry
Why checking your own score never lowers it.
Credit History
Why the length of your credit matters, and old accounts.
Credit Mix
Secured vs unsecured credit, and why mix matters.
Credit Report
What's inside, common errors, and how to dispute them.
New Credit
Recently opened accounts, and applying for too much at once.
Payment History
The biggest factor: DPD, missed payments, settled vs written-off.
What Makes Up Your Score
The key factors and which matter most.
Why Loans Get Rejected
Score, utilisation, FOIR, enquiries and errors.
CIBIL vs Experian vs Equifax vs CRIF
India's four bureaus, and why scores differ.
Credit Score Myths
Common misconceptions, debunked.
For First-Time Borrowers
Building credit from scratch with a thin file.
How Long Negative Marks Stay
Late payments, defaults, settled and written-off.
Planning a loan? A better score can mean a lower rate — see the EMI calculator to model the impact.