Kharab Cibil Score Ko Improve Karne Ka Jugaad

CIBIL score ko sudharne ke liye kuch kadam hain jo aapko apne creditworthiness ko behtar banane mein madadgar ho sakte hain. Yahan kuch upay hain jo aapko apne CIBIL score ko sudharne mein madad karenge:

1. CIBIL Report Check Karein:
   • Apne CIBIL report ko regular interval par check karte rahein, taaki aapko pata chale ki aapki financial history mein koi galti toh nahi hai.
   • Kuch galat ya outdated information hone par, turant CIBIL ya credit bureau se sampark karein aur sudhar karvayein.
2. Outstanding Bills Ko Clear Karein:
   • Samay par bills aur EMI ko bharein taki aapko late payment se bacha ja sake.
   • Agar aapke paas koi outstanding bills hain, toh unhe jald se jald clear karein.
3. Credit Card Ka Sahi Istemal Karein:
   • Credit card ka istemal savdhaani purvak karein. Limit ke andar hi vyayam karein.
   • Monthly statement ko samay par pay karein, taaki late payment ka asar na ho.
4. Credit Card Limit Ko Manage Karein:
   • Credit card limit ko control mein rakhein aur ise badhane ke liye pramukh karanon par dhyan dein.
   • High credit utilization se bachne ke liye limit ke 30% se kam ka istemal karein.
5. Credit Inquiries Par Dhyan Dein:
   • Zyada se zyada loan ya credit card apply karne se bachein, kyun ki har inquiry aapke CIBIL score par asar daal sakti hai.
   • Agar aap multiple loan inquiries kar rahe hain, toh lenders ko yeh lag sakta hai ki aap financially unstable hain.
6. Default Hone Wale Loans Se Bachein:
   • Default hone wale loans se bachein, kyun ki default hone par aapki credit score par bura asar padega.
   • EMI ka samay par bhugtan karein aur missed payment se bachne ke liye automatic payment options ka istemal karein.
7. Stable Financial Behavior Dikhaiye:
   • Stable financial behavior dikhayein jisse ki lenders ko aapki repaying capacity ka pata chale.
   • Long-term relationships banayein apne bankers aur creditors ke saath.
8. Old Credit Accounts Ko Close Na Karein:
   • Old credit accounts ko close na karein, kyun ki unka closure bhi aapke credit history par asar daal sakta hai.
   • Chhote credit accounts ko active rakhein.

Remember, CIBIL score sudharne mein thoda samay lag sakta hai, lekin disciplined financial behavior ke saath, aap apne score ko gradual taur par sudhar sakte hain.