Meri CIbil Kharab Ho Gayi Hai Isko Sahi Karte Ke Liye KIs Kis Step Ko FOllow Krana Hoga

CIBIL score ko sudharne ke liye kuch kadam hote hain. Yadi aapki CIBIL score kharab hai, toh aap niche diye gaye steps ko follow karke use sudharne ka prayaas kar sakte hain:

1. CIBIL Report Check Karein:
   • Apne CIBIL report ko check karein aur dekhein ki kis karan se aapki credit score kam hai.
   • Report mein koi galat ya outdated jaankari hai to ise sudharane ke liye turant kadam uthayein.
2. Regular Payments:
   • Apne loan aur credit card ke EMI (Equated Monthly Installments) ko samay par bharein. Regular payments karne se aapki creditworthiness improve hogi.
3. Credit Card Balance:
   • Credit card par rakha balance kam rakhein. Credit card ka adhik istemal karke apne credit limit ka adhik hissa use na karein.
4. Credit Card Utilization Ratio:
   • Credit utilization ratio ko control mein rakhein. Yani ki aapke credit limit ka sirf limited hissa hi istemal karein.
5. Existing Loans:
   • Agar aapke paas koi existing loan hai, toh use samay par bharte rahein aur overdue na hone de.
6. Multiple Loan Applications:
   • Zyada se zyada loan applications se bachein, kyun ki har inquiry aapki CIBIL score ko prabhavit kar sakti hai.
7. Settle Outstanding Dues:
   • Agar aapke paas kisi loan ya credit card ka outstanding due hai, toh use jald se jald chukta karein.
8. Credit Mix:
   • Alag alag prakar ke loans aur credit cards ka mix maintain karein. Sirf ek hi prakar ka loan ya credit card hone par bhi CIBIL score par asar pad sakta hai.
9. Credit Counseling:
   • Agar aapko apne financial situation ko sudharne mein mushkil hoti hai, toh aap credit counseling ki sujhav le sakte hain. Iske liye aap kisi financial advisor ya credit counseling agency se salah le sakte hain.
10. Stable Employment:
    • Aapki naukri mein sthirata banaye rakhein. Frequent job changes bhi aapke creditworthiness ko prabhavit kar sakte hain.
11. Aadharit Nivesh:
    • Long-term investments, jaise ki provident fund, fixed deposits, ya recurring deposits mein invest karna bhi aapki financial stability ko dikhane mein madad karta hai.

Yadi aapko lagta hai ki aapki CIBIL report mein kuch galat hai, toh turant ise sudharne ke liye CIBIL ke customer care se sampark karein. Regularly apne credit reports ko monitor karte rahna aur apne financial habits ko sudharne par dhyan dena CIBIL score ko sudharne mein madad karega.