Your CIBIL score is one of the most important factors determining your financial health. It affects your ability to secure loans and the interest rates offered. In some cases, even employers consider it during background checks.
If your CIBIL score is 600, and you're wondering how to increase your CIBIL score from 600 to 750, don’t panic—you can improve it with the right strategy.
This guide covers CIBIL score improvement tips to help you increase your score and unlock better financial opportunities.
Table of Contents
How Does CIBIL Score Work?
Your CIBIL score is a three-digit number ranging from 300 to 900, representing your creditworthiness. Several factors impact your score, and improving them can make a significant difference.
Here’s what affects your score:
- Payment History (35%) – Timely payments on loans and credit cards help maintain a high score. Late payments and defaults can significantly lower it.
- Credit Utilization (30%) – The percentage of your available credit that you use. A higher utilization ratio negatively impacts your score.
- Credit Mix & Age (15%) – A good mix of different credit types (loans, credit cards) and a long credit history contribute to a better score.
- Credit Inquiries (10%) – Too many loan applications in a short period can signal financial distress and lower your score.
- Public Records (10%) – Bankruptcies, defaults, and other public financial records can lower your score for years.
Improving these factors is key to understanding how to increase CIBIL scores from 600 to 750.
1. Payment History
Why It Matters
Payment history accounts for 35% of your CIBIL score, making it the most critical factor. Late payments, defaults, or bankruptcy can drastically reduce your score.
How to Improve It?
- Set up automatic payments to avoid missing due dates.
- Clear any outstanding dues as soon as possible.
- Check your credit report for errors and dispute inaccuracies.
- Make timely payments on all credit accounts consistently.
If you want to know how to improve your CIBIL score from 600 to 750, on-time payments should be your top priority.
2. Credit Utilization
Why It’s Important?
Your credit utilization ratio is the percentage of credit you use compared to your total available limit. Keeping this ratio below 30% is ideal.
How to Improve It?
- Reduce credit card balances to lower utilization.
- Increase your credit limit (if possible) to improve your ratio.
- Avoid maxing out credit cards, even if you can pay in full later.
A lower credit utilization ratio plays a crucial role in how to increase CIBIL score from 600 to 750.
3. Credit Mix & Credit History
Why It’s Important?
A diverse credit portfolio (loans, credit cards) and a longer credit history show lenders that you can manage different types of credit responsibly.
How to Improve It?
- Keep old credit accounts open, as a longer credit history improves your score.
- Maintain a healthy mix of credit types, like credit cards and loans.
Lenders favor individuals who can manage different types of credit responsibly. If you're exploring how to improve your CIBIL score from 600 to 750, maintaining a strong credit mix is essential.
4. Credit Inquiries
Why It Matters?
Each time you apply for an instant personal loan or credit card, a hard inquiry is recorded. Too many hard inquiries in a short period can lower your CIBIL score.
How to Improve It?
- Apply for credit only when necessary.
- Space out applications to avoid multiple inquiries in a short time.
If you apply for multiple loans, group them within 30 days to minimize their impact.
5. Public Records & Defaults
Why It Matters?
Bankruptcies, defaults, and other negative public records stay on your credit report for up to seven years and significantly lower your score.
How to Improve It?
- Settle past dues and avoid legal defaults.
- Check your credit report for errors and dispute inaccuracies.
Addressing public record issues is crucial in how to increase CIBIL score from 600 to 750 effectively.
Tips to Increase CIBIL Score
Now that you understand how to improve your CIBIL score from 600 to 750, follow these tips for improving CIBIL score:
- Pay all bills on time – Late payments significantly impact your score
- Reduce credit utilization – Keep usage below 30% of your total credit limit.
- Clear outstanding debts – Use the debt snowball or debt avalanche method.
- Limit new credit applications – Multiple applications can lower your score.
- Maintain a good credit mix – Having different types of credit helps.
- Avoid acting as a guarantor – If the borrower defaults, your score will drop.
- Monitor your credit report regularly – Look for errors and dispute inaccuracies.
These tips to increase CIBIL score will help you achieve 750+ over time.
Conclusion
If you're looking for how to increase CIBIL score from 600 to 750, remember that it’s a gradual process. The key is consistent, responsible credit behavior. Pay bills on time, reduce credit utilization, and limit credit applications to see steady improvement.
There is no overnight fix, but by following these CIBIL score improvement tips, you’ll be on your way to better financial health.
You can also check out our blog on how to get personal loan with low CIBIL Score, if you have tried all the tips to improve your credit score.
