{"id":3016,"date":"2024-09-17T17:09:06","date_gmt":"2024-09-17T17:09:06","guid":{"rendered":"https:\/\/seekhomujhse.in\/how-can-i-improve-cibil-score\/"},"modified":"2025-12-11T17:09:59","modified_gmt":"2025-12-11T17:09:59","slug":"how-can-i-improve-cibil-score","status":"publish","type":"post","link":"https:\/\/seekhomujhse.in\/en\/how-can-i-improve-cibil-score\/","title":{"rendered":"How Can I Improve CIBIL Score : \u0910\u0938\u0947 \u0938\u0941\u0927\u093e\u0930\u0947\u0902 \u0905\u092a\u0928\u093e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930"},"content":{"rendered":"<p class=\"has-medium-font-size\">\u0905\u0917\u0930 \u0906\u092a \u0932\u094b\u0928 \u0932\u0947\u0928\u0947 \u0915\u093e \u0938\u094b\u091a \u0930\u0939\u0947 \u0939\u0948\u0902 \u0914\u0930 \u0906\u092a\u0915\u093e CIBIL score \u0915\u092e \u0939\u0948 \u0924\u094b \u0906\u092a\u0915\u0947 \u092e\u0928 \u092e\u0947\u0902 \u092d\u0940 \u092f\u0939 \u0938\u0935\u093e\u0932 \u0906\u092f\u093e \u0939\u094b\u0917\u093e \u0915\u093f How Can I Improve CIBIL Score. \u0906\u091c \u0907\u0938 \u092a\u094b\u0938\u094d\u091f \u0915\u0947 \u091c\u0930\u093f\u092f\u0947 \u0939\u092e \u092f\u0939 \u091a\u0930\u094d\u091a\u093e \u0915\u0930\u0947\u0902\u0917\u0947 \u0915\u093f \u0906\u092a \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u0915\u094b \u0915\u0948\u0938\u0947 \u092c\u0947\u0939\u0924\u0930 \u092c\u0928\u093e \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964 \u0932\u0947\u0915\u093f\u0928 \u0909\u0938\u0938\u0947 \u092a\u0939\u0932\u0947 \u0939\u092e \u0925\u094b\u095c\u093e CIBIL \u0915\u0947 \u092c\u093e\u0930\u0947 \u092e\u0947\u0902 \u091c\u093e\u0928 \u0932\u0947\u0924\u0947 \u0939\u0948\u0902\u0964 <\/p>\n\n\n\n<p class=\"has-medium-font-size\">CIBIL \u092f\u093e\u0928\u093f Credit Information Bureau (India) Limited \u090f\u0915 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u092c\u094d\u092f\u0942\u0930\u094b \u0939\u0948 \u091c\u094b \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u092f\u094b\u0902 \u092f\u093e \u0935\u094d\u092f\u0935\u0938\u093e\u092f\u094b\u0902 \u0915\u093e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u0907\u0915\u091f\u094d\u0920\u093e \u0915\u0930 \u0909\u0938\u0915\u093e \u0930\u0916\u0930\u0916\u093e\u0935 \u0915\u0930\u0924\u093e \u0939\u0948\u0964 \u092f\u0947 \u0938\u094d\u0915\u094b\u0930 \u0932\u094b\u0928 \u0915\u0902\u092a\u0928\u093f\u092f\u094b\u0902 \u0915\u094b \u092f\u0939 \u0928\u093f\u0930\u094d\u0923\u092f \u0932\u0947\u0928\u0947 \u092e\u0947\u0902 \u092e\u0926\u0926 \u0915\u0930\u0924\u093e \u0939\u0948 \u0915\u093f \u0915\u093f\u0938\u0940 \u0935\u094d\u092f\u0915\u094d\u0924\u093f \u092f\u093e \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u0915\u094b \u0932\u094b\u0928 \u0926\u093f\u092f\u093e \u091c\u093e\u0928\u093e \u091a\u093e\u0939\u093f\u090f \u092f\u093e \u0928\u0939\u0940\u0902\u0964 <\/p>\n\n\n\n<p class=\"has-medium-font-size\">\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u091a\u093e\u0930 \u0910\u0938\u0947 \u092c\u094d\u092f\u0942\u0930\u094b \u0939\u0948 \u091c\u094b \u0915\u093f\u0938\u0940 \u0935\u094d\u092f\u0915\u094d\u0924\u093f \u092f\u093e \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u0915\u0947 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u0915\u0940 \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u0930\u0916\u0924\u0940 \u0939\u0948 : CIBIL Information Bureau India Limited, Equifax, Experian, \u0914\u0930  CRIF High Mark. \u092a\u0930\u0928\u094d\u0924\u0941 \u091c\u094d\u092f\u093e\u0926\u093e\u0924\u0930 \u0932\u094b\u0928 \u0915\u092e\u094d\u092a\u0928\u093f\u092f\u093e\u0901 CIBIL \u0915\u093e \u0907\u0938\u094d\u0924\u0947\u092e\u093e\u0932 \u0915\u0930\u0924\u0940 \u0939\u0948\u0902\u0964 \u0924\u094b \u091a\u0932\u093f\u090f \u0906\u092a\u0915\u0947 \u092e\u0928 \u092e\u0947\u0902 \u091c\u094b \u0938\u0935\u093e\u0932 \u0939\u0948 \u0915\u093f How Can I Improve CIBIL Score \u0915\u093e \u0909\u0924\u094d\u0924\u0930 \u0922\u0942\u0901\u0922\u0928\u0947 \u0915\u0940 \u0915\u094b\u0936\u093f\u0936 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964 <\/p>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\">Factors Affecting Credit Score <\/h2>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\">Payment History <\/h3>\n\n\n\n<p class=\"has-medium-font-size\">\u092f\u0939 Credit Score \u0915\u094b \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0915\u0930\u0928\u0947 \u0935\u093e\u0932\u093e \u0938\u092c\u0938\u0947 \u092c\u095c\u093e \u0915\u093e\u0930\u0923 \u0939\u0948\u0964 \u0906\u092a \u091c\u093f\u0924\u0928\u0940 \u0926\u0947\u0930 \u0938\u0947 (30 \u0926\u093f\u0928 , 60 \u0926\u093f\u0928 , 90 \u0926\u093f\u0928 \u092f\u093e 90 \u0926\u093f\u0928 \u0938\u0947 \u091c\u094d\u092f\u093e\u0926\u093e ) credit card \u092f\u093e loan \u0915\u093e \u092a\u0947\u092e\u0947\u0902\u091f \u0915\u0930\u0924\u0947 \u0939\u0948\u0902 \u0907\u0938\u0915\u093e \u0909\u0924\u0928\u093e \u0939\u0940 \u091c\u094d\u092f\u093e\u0926\u093e \u0905\u0938\u0930 credit score \u092a\u0930 \u092a\u095c\u0924\u093e \u0939\u0948\u0964 Credit Score \u0938\u0941\u0927\u093e\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f Loan \u0924\u0925\u093e Credit Card \u0915\u0947 \u0915\u093f\u0938\u094d\u0924\u094b\u0902 \u0915\u093e \u0938\u092e\u092f \u092a\u0930 \u092a\u0947\u092e\u0947\u0902\u091f \u0915\u0930\u0928\u093e \u092c\u0939\u0941\u0924 \u091c\u0930\u0942\u0930\u0940 \u0939\u0948\u0964 \u0906\u092a\u0938\u0947 Loan \u092f\u093e Credit Card \u0915\u093e \u092a\u0947\u092e\u0947\u0902\u091f \u0928 \u091b\u0942\u091f\u0947 \u0907\u0938\u0915\u0947 \u0932\u093f\u090f \u0906\u092a Auto Payment \u0915\u093e Option \u091a\u0941\u0928 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964 \u0907\u0938 Option \u092e\u0947\u0902 \u0958\u093f\u0938\u094d\u0924 \u0915\u0940 \u0930\u0915\u092e \u0938\u092e\u092f \u092a\u0930 Saving Account \u0938\u0947 \u0915\u091f \u0915\u0930 \u091c\u092e\u093e \u0939\u094b \u091c\u093e\u0924\u0940 \u0939\u0948\u0964 \u0907\u0938\u0938\u0947 \u0906\u092a\u0915\u094b \u092a\u0947\u092e\u0947\u0902\u091f date \u0915\u094b \u092f\u093e\u0926 \u0930\u0916\u0928\u0947 \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u0940 \u0924\u0925\u093e \u0958\u093f\u0938\u094d\u0924 \u0915\u0947 \u092a\u0947\u092e\u0947\u0902\u091f \u091b\u0942\u091f \u091c\u093e\u0928\u0947 \u0915\u093e \u0921\u0930 \u092d\u0940 \u0928\u0939\u0940\u0902 \u0930\u0939\u0924\u093e \u0939\u0948\u0964 \u0907\u0938 Option \u0915\u094b \u0905\u092a\u0928\u093e \u0915\u0930 \u0906\u092a \u0905\u092a\u0928\u0947 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u0915\u094b \u0938\u0941\u0927\u093e\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964 <\/p>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\">Credit Utilization Ratio<\/h3>\n\n\n\n<p class=\"has-medium-font-size\">\u092f\u0939 \u0906\u092a\u0915\u0940 \u0915\u0941\u0932 Borrowing Limit \u0915\u093e \u0915\u0941\u0932 \u092a\u094d\u0930\u0924\u093f\u0936\u0924 \u0939\u0948 \u091c\u094b \u0906\u092a \u0905\u092a\u0928\u0947 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921 \u092a\u0930 \u0909\u092a\u092f\u094b\u0917 \u0915\u0930 \u0930\u0939\u0947 \u0939\u0948\u0902\u0964 \u0907\u0938\u0947 \u0939\u092e \u090f\u0915 \u0909\u0926\u093e\u0939\u0930\u0923 \u0926\u094d\u0935\u093e\u0930\u093e \u0938\u092e\u091d\u0924\u0947 \u0939\u0948\u0902\u0964 <\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-white-color has-vivid-cyan-blue-background-color has-text-color has-background has-link-color has-fixed-layout\"><tbody><tr><td><\/td><td>Total Limit <\/td><td>Utilized Amount <\/td><td>Percentage <\/td><\/tr><tr><td>Credit Card 1 <\/td><td>150000 <\/td><td>15000 <\/td><td>10 %<\/td><\/tr><tr><td>Credit Card 2 <\/td><td>100000 <\/td><td>50000 <\/td><td>50 %<\/td><\/tr><tr><td>Credit Card 3 <\/td><td>200000 <\/td><td>60000 <\/td><td>30 %<\/td><\/tr><tr><td>Credit Card 4 <\/td><td>250000 <\/td><td>50000 <\/td><td>20 %<\/td><\/tr><tr><td>Total <\/td><td>700000 <\/td><td>175000 <\/td><td>25 %<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Credit Utilization Ratio<\/figcaption><\/figure>\n\n\n\n<p class=\"has-medium-font-size\">\u090a\u092a\u0930 \u0926\u093f\u090f \u0917\u090f \u0909\u0926\u093e\u0939\u0930\u0923 \u092e\u0947\u0902 Credit Utilization Ratio 25 % \u0939\u0948\u0964 \u092f\u0939 \u090f\u0915 \u0905\u091a\u094d\u091b\u093e Utilization Ratio \u0939\u0948\u0964 Credit Utilization Ratio \u0915\u094b \u0939\u092e\u0947\u0936\u093e 30 % \u0938\u0947 \u0928\u0940\u091a\u0947 \u0930\u0916\u0928\u093e \u091a\u093e\u0939\u093f\u090f\u0964 \u092a\u0930\u0928\u094d\u0924\u0941, \u0905\u0917\u0930 \u0906\u092a \u0905\u092a\u0928\u093e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u091c\u0932\u094d\u0926\u0940 \u0938\u0941\u0927\u093e\u0930\u0928\u093e \u091a\u093e\u0939\u0924\u0947 \u0939\u0948\u0902 \u0924\u094b Credit Utilization Ratio \u0915\u094b 10 % \u0938\u0947 \u0928\u0940\u091a\u0947 \u0930\u0916\u0947\u0902\u0964 \u0905\u0917\u0930 \u0906\u092a\u0915\u093e Credit Utilization Ratio 30 % \u0938\u0947 \u091c\u094d\u092f\u093e\u0926\u093e \u0939\u0948 \u0924\u094b \u092f\u0939 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u092a\u0930 \u092c\u0941\u0930\u093e \u092a\u094d\u0930\u092d\u093e\u0935 \u0921\u093e\u0932\u0924\u093e \u0939\u0948\u0964 <\/p>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\">Length of Credit History<\/h3>\n\n\n\n<p class=\"has-medium-font-size\">\u092f\u0939 \u0906\u092a\u0915\u0947 \u0938\u092c\u0938\u0947 \u092a\u0941\u0930\u093e\u0928\u0947 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0914\u0930 \u0938\u092c\u0938\u0947 \u0928\u090f \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e \u0914\u0938\u0924 \u0939\u094b\u0924\u093e \u0939\u0948\u0964 Credit History \u091c\u093f\u0924\u0928\u093e \u092a\u0941\u0930\u093e\u0928\u093e \u0939\u094b\u0917\u093e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u092a\u0930 \u0907\u0938\u0915\u093e \u0909\u0924\u0928\u093e \u0939\u0940 \u0905\u091a\u094d\u091b\u093e \u092a\u094d\u0930\u092d\u093e\u0935 \u092a\u095c\u0947\u0917\u093e\u0964 Credit History \u0938\u0947 \u0932\u094b\u0928 \u0926\u0947\u0928\u0947 \u0935\u093e\u0932\u0940 \u0915\u0949\u092e \u0915\u0902\u092a\u0928\u0940 \u0906\u092a\u0915\u0947 financial behavior \u0915\u0947 \u092c\u093e\u0930\u0947 \u092e\u0947\u0902 \u092a\u0924\u093e \u0915\u0930\u0924\u0940 \u0939\u0948\u0964  <\/p>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\">Inquiry <\/h3>\n\n\n\n<p class=\"has-medium-font-size\">Inquiry \u0926\u094b \u0924\u0930\u0939 \u0915\u0940 \u0939\u094b\u0924\u0940 \u0939\u0948  <\/p>\n\n\n\n<h4 class=\"wp-block-heading has-medium-font-size\">1. Hard Inquiry <\/h4>\n\n\n\n<p class=\"has-medium-font-size\">\u091c\u092c \u0939\u092e \u0915\u093f\u0938\u0940 \u0928\u090f \u0932\u094b\u0928 \u092f\u093e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921 \u0915\u0947 \u0932\u093f\u090f \u0906\u0935\u0947\u0926\u0928 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902 \u0924\u094b \u0932\u094b\u0928 \u0926\u0947\u0928\u0947 \u0935\u093e\u0932\u0940 \u0915\u0902\u092a\u0928\u0940 CIBIL Score \u0915\u0940 enquiry \u0915\u0930\u0924\u0940 \u0939\u0948 , \u0907\u0938\u0947 hard Inquiry \u0915\u0939\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964 \u0907\u0938 Inquiry \u0915\u093e \u0915\u092e \u0938\u092e\u092f \u0915\u0947 \u0932\u093f\u090f \u090f\u0915 \u092c\u0941\u0930\u093e \u092a\u094d\u0930\u092d\u093e\u0935 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u092a\u0930 \u092a\u095c\u0924\u093e \u0939\u0948\u0964 \u0938\u092e\u092f \u0915\u0947 \u0938\u093e\u0925 \u092f\u0939 \u0905\u092a\u0928\u0947 \u0906\u092a \u0938\u0941\u0927\u0930 \u091c\u093e\u0924\u093e \u0939\u0948\u0964 \u0907\u0938 \u0915\u093e\u0930\u0923 \u0905\u0917\u0930 \u0906\u092a \u0938\u091a \u092e\u0947\u0902 \u0932\u094b\u0928 \u092f\u093e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921 \u0932\u0947\u0928\u093e \u091a\u093e\u0939\u0924\u0947 \u0939\u0948 \u0924\u092d\u0940 \u0906\u0935\u0947\u0926\u0928 \u0915\u0930\u0928\u093e \u091a\u093e\u0939\u093f\u090f \u0915\u0930\u0928\u093e \u091a\u093e\u0939\u093f\u090f\u0964 \u0906\u092a \u0905\u0932\u0917 \u0905\u0932\u0917 \u0932\u094b\u0928 \u0926\u0947\u0928\u0947 \u0935\u093e\u0932\u0940 \u0915\u0902\u092a\u0928\u0940 \u0938\u0947 \u092e\u094c\u0916\u093f\u0915 \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u0932\u0947 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902 \u092a\u0930\u0928\u094d\u0924\u0941 \u0906\u0935\u0947\u0926\u0928 \u0935\u0939\u0940\u0901 \u0915\u0930\u0947\u0902 \u091c\u0939\u093e\u0901 \u0938\u0947 \u0906\u092a\u0915\u094b \u0932\u094b\u0928 \u092f\u093e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921 \u0932\u0947\u0928\u093e \u0939\u0948\u0964 <\/p>\n\n\n\n<p class=\"has-medium-font-size\"> Hard Inquiry \u0915\u0947 \u0915\u0941\u091b \u0909\u0926\u093e\u0939\u0930\u0923 \u0907\u0938 \u092a\u094d\u0930\u0915\u093e\u0930 \u0939\u0948\u0902 : \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921 \u092f\u093e \u090b\u0923 \u0915\u0947 \u0932\u093f\u090f \u0906\u0935\u0947\u0926\u0928 \u0915\u0930\u0928\u093e, \u0918\u0930 \u092f\u093e \u0915\u093e\u0930 \u0916\u0930\u0940\u0926\u0928\u093e, \u0905\u092a\u093e\u0930\u094d\u091f\u092e\u0947\u0902\u091f \u0915\u093f\u0930\u093e\u090f \u092a\u0930 \u0932\u0947\u0928\u093e \u0907\u0924\u094d\u092f\u093e\u0926\u093f\u0964 <\/p>\n\n\n\n<h4 class=\"wp-block-heading has-medium-font-size\">2. Soft Inquiry<\/h4>\n\n\n\n<p class=\"has-medium-font-size\">\u091c\u092c \u0915\u094b\u0908 \u0932\u094b\u0928 \u0926\u0947\u0928\u0947 \u0935\u093e\u0932\u0940 \u0915\u0902\u092a\u0928\u0940 \u0906\u092a\u0915\u0940 \u0905\u0928\u0941\u092e\u0924\u093f \u0915\u0947 \u092c\u093f\u0928\u093e \u0906\u092a\u0915\u0940 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u0926\u0947\u0916\u0924\u093e \u0939\u0948 , \u092f\u093e \u0906\u092a \u0938\u094d\u0935\u092f\u0902 \u0905\u092a\u0928\u093e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u091c\u093e\u0902\u091a\u0924\u0947 \u0939\u0948\u0902 \u0924\u094b \u0907\u0938\u0947 Soft Inquiry \u0915\u0939\u0924\u0947 \u0939\u0948\u0902\u0964  Soft Inquiry \u0906\u092a\u0915\u0947 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u0915\u094b \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0928\u0939\u0940\u0902 \u0915\u0930\u0924\u0940 \u0939\u0948 \u0914\u0930 \u092f\u0939  \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0930\u093f\u092a\u094b\u0930\u094d\u091f \u092e\u0947\u0902 \u0926\u0930\u094d\u091c \u0928\u0939\u0940\u0902 \u0915\u0940 \u091c\u093e\u0924\u0940 \u0939\u0948\u0964<\/p>\n\n\n\n<p class=\"has-medium-font-size\">Soft Inquiry \u0915\u0947 \u0915\u0941\u091b \u0909\u0926\u093e\u0939\u0930\u0923 \u0907\u0938 \u092a\u094d\u0930\u0915\u093e\u0930 \u0939\u0948\u0902: \u0938\u094d\u0935\u092f\u0902 \u0915\u0947 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u0940 \u091c\u093e\u0902\u091a \u0915\u0930\u0928\u093e, \u090b\u0923 \u092a\u0942\u0930\u094d\u0935-\u0905\u0928\u0941\u092e\u094b\u0926\u0928, Pre approved \u0932\u094b\u0928 \u0907\u0924\u094d\u092f\u093e\u0926\u093f\u0964 <\/p>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\">Credit Mix<\/h3>\n\n\n\n<p class=\"has-medium-font-size\">\u0905\u0917\u0930 \u0906\u092a\u0915\u0947 \u092a\u093e\u0938 \u0915\u0908 \u0924\u0930\u0939 \u0915\u0947 \u0932\u094b\u0928 \u0915\u093e \u092e\u093f\u0936\u094d\u0930\u0923 \u0939\u094b \u0924\u094b \u0907\u0938\u0938\u0947 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u092a\u0930 \u0905\u091a\u094d\u091b\u093e \u092a\u094d\u0930\u092d\u093e\u0935 \u092a\u095c\u0924\u093e \u0939\u0948\u0964 \u091c\u0948\u0938\u0947 \u0915\u093f \u091b\u093e\u0924\u094d\u0930 \u090b\u0923, \u0915\u093e\u0930 \u090b\u0923 ,\u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u090b\u0923 \u0914\u0930 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921 \u0915\u093e \u092e\u093f\u0936\u094d\u0930\u0923\u0964 \u090b\u0923 \u0915\u093e \u092e\u093f\u0936\u094d\u0930\u0923 \u0930\u0939\u0928\u0947 \u092a\u0930 \u0915\u0930\u0926\u093e\u0924\u093e \u0915\u0902\u092a\u0928\u0940 \u0915\u094b \u092f\u0939 \u092a\u0924\u093e \u091a\u0932\u0924\u093e \u0939\u0948 \u0915\u093f \u0935\u094d\u092f\u0915\u094d\u0924\u093f \u0915\u0908 \u0924\u0930\u0939 \u0915\u0947 \u090b\u0923 \u0915\u094b \u0938\u092b\u0932\u0924\u093e\u092a\u0942\u0930\u094d\u0935\u0915 manage \u0915\u0930 \u0938\u0915\u0924\u093e \u0939\u0948\u0964 \u092f\u0939 \u0906\u092a\u0915\u0947 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u092a\u0930 \u0905\u091a\u094d\u091b\u093e \u092a\u094d\u0930\u092d\u093e\u0935 \u0921\u093e\u0932\u0924\u093e \u0939\u0948\u0964 <\/p>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\">Check Your CIBIL Score<\/h2>\n\n\n\n<p class=\"has-medium-font-size\">\u0906\u092a \u0905\u092a\u0928\u093e CIBIL \u0938\u094d\u0915\u094b\u0930 \u090f\u0915 \u0915\u0948\u0932\u0947\u0902\u0921\u0930 \u0935\u0930\u094d\u0937 ( \u091c\u0928\u0935\u0930\u0940 \u0938\u0947 \u0926\u093f\u0938\u0902\u092c\u0930 ) \u092e\u0947\u0902 \u090f\u0915 \u092c\u093e\u0930 \u092e\u0941\u092b\u094d\u0924 \u092e\u0947\u0902 <a href=\"https:\/\/www.cibil.com\/freecibilscore\">www.cibil.com<\/a> \u0938\u0947 \u091c\u093e\u0928 \u0938\u0915\u0924\u0947 \u0939\u0948\u0964 \u0907\u0938\u0915\u0947 \u0905\u0932\u093e\u0935\u093e \u0915\u0908 \u0924\u0930\u0939 \u0915\u0947 \u092a\u094d\u0932\u093e\u0928 \u092e\u0947\u0902 enroll \u0915\u0930\u0915\u0947 \u092d\u0940 \u0906\u092a \u0905\u092a\u0928\u093e CIBIL \u0938\u094d\u0915\u094b\u0930 \u091c\u093e\u0928 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964 <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u0938\u093e\u0930\u093e\u0902\u0936 <\/h2>\n\n\n\n<p class=\"has-medium-font-size\">\u0906\u092a\u0915\u094b \u0905\u092a\u0928\u0947 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0930\u093f\u092a\u094b\u0930\u094d\u091f \u0915\u093e \u0917\u0939\u0928 \u0905\u0927\u094d\u092f\u092f\u0928 \u0915\u0930\u0928\u093e \u091a\u093e\u0939\u093f\u090f\u0964 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0930\u093f\u092a\u094b\u0930\u094d\u091f \u092e\u0947\u0902 \u0936\u093e\u092e\u093f\u0932 \u0915\u093e\u0930\u0915\u094b\u0902 \u0915\u094b \u0938\u092e\u091d\u0928\u0947 \u0938\u0947 \u0906\u092a\u0915\u094b \u0905\u092a\u0928\u0947 \u0935\u094d\u092f\u0935\u0939\u093e\u0930 \u0914\u0930 \u0905\u092a\u0928\u0947 \u0938\u094d\u0915\u094b\u0930 \u0915\u0947 \u092c\u0940\u091a \u0938\u0902\u092c\u0902\u0927 \u0915\u094b \u092a\u0939\u091a\u093e\u0928\u0928\u0947 \u092e\u0947\u0902 \u092e\u0926\u0926 \u092e\u093f\u0932 \u0938\u0915\u0924\u0940 \u0939\u0948\u0964 \u0907\u0938\u0938\u0947 \u0906\u092a \u0906\u091c \u0910\u0938\u0947 \u0909\u092a\u093e\u092f\u094b\u0902 \u0915\u094b \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902 \u091c\u093f\u0938\u0938\u0947 \u0906\u092a\u0915\u093e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u0938\u0941\u0927\u0930 \u0938\u0915\u0947\u0964 \u0906\u092a \u0916\u0930\u094d\u091a\u094b\u0902 \u0915\u094b \u0938\u0902\u0924\u0941\u0932\u093f\u0924 \u0915\u0930\u0915\u0947 \u0924\u0925\u093e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921 \u0924\u0925\u093e \u0932\u094b\u0928 \u0915\u094b \u0905\u091a\u094d\u091b\u0940 \u0924\u0930\u0939 Manage \u0915\u0930\u0915\u0947 \u0905\u092a\u0928\u0947 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u0915\u094b \u0938\u0941\u0927\u093e\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964 <\/p>\n\n\n\n<p class=\"has-medium-font-size\">\u0906\u0936\u093e \u0939\u0948 \u0915\u093f \u0907\u0938 \u092a\u094b\u0938\u094d\u091f \u0926\u094d\u0935\u093e\u0930\u093e \u0906\u092a\u0915\u0947 \u092e\u0928 \u0915\u0947 \u0938\u0935\u093e\u0932 How Can I Improve CIBIL Score \u0915\u093e \u091c\u092c\u093e\u092c \u092e\u093f\u0932 \u0917\u092f\u093e \u0939\u094b\u0917\u093e\u0964 <\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-vivid-purple-background-color has-background wp-element-button\" href=\"https:\/\/seekhomujhse.in\/en\/plastic-money-kya-hai\/\">Plastic Money Kya Hai <\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\">FAQ <\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1726588123395\"><strong class=\"schema-faq-question\">\u092e\u0947\u0930\u0947 CIBIL Score \u091c\u093e\u0901\u091a\u0928\u0947 \u0938\u0947 \u0915\u094d\u092f\u093e \u0938\u094d\u0915\u094b\u0930 \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0939\u094b\u0924\u093e \u0939\u0948 ?<\/strong> <p class=\"schema-faq-answer\">\u091c\u092c \u0906\u092a \u0905\u092a\u0928\u093e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u092f\u093e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0930\u093f\u092a\u094b\u0930\u094d\u091f \u091c\u093e\u0902\u091a\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b \u0907\u0938\u0947 &#8220;Soft Inquiry &#8221; \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0917\u093f\u0928\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964 \u091a\u093e\u0939\u0947 \u0906\u092a \u0915\u093f\u0924\u0928\u0940 \u092d\u0940 \u092c\u093e\u0930 \u0905\u092a\u0928\u093e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u091c\u093e\u0902\u091a \u0932\u0947\u0902, \u0906\u092a\u0915\u093e \u0938\u093f\u092c\u093f\u0932 \u0938\u094d\u0915\u094b\u0930 \u0905\u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0930\u0939\u0924\u093e \u0939\u0948\u0964 \u0939\u093e\u0932\u093e\u0901\u0915\u093f, \u092f\u0926\u093f \u092c\u0948\u0902\u0915 \u092f\u093e \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0938\u094d\u0925\u093e\u0928 \u0928\u090f \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921 \u092f\u093e \u090b\u0923 \u0906\u0935\u0947\u0926\u0928 \u0915\u0947 \u0938\u092e\u092f \u0906\u092a\u0915\u0940 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0930\u093f\u092a\u094b\u0930\u094d\u091f \u0915\u0940 \u091c\u093e\u0901\u091a \u0915\u0930\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b \u0907\u0938\u0947 &#8220;Hard Inquiry &#8221; \u092e\u093e\u0928\u093e \u091c\u093e\u0924\u093e \u0939\u0948 \u0914\u0930 \u092f\u0939 \u0906\u092a\u0915\u0947 \u0938\u094d\u0915\u094b\u0930 \u092a\u0930 \u092a\u094d\u0930\u092d\u093e\u0935 \u0921\u093e\u0932\u0924\u093e \u0939\u0948\u0964<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1726588608791\"><strong class=\"schema-faq-question\">\u0905\u092a\u0928\u0947 CIBIL Score \u0915\u094b \u0920\u0940\u0915 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u092e\u0948\u0902 \u0915\u094d\u092f\u093e \u0915\u0930\u0942\u0901 ?<\/strong> <p class=\"schema-faq-answer\">1. \u0939\u092e\u0947\u0936\u093e \u0905\u092a\u0928\u0947 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921 \u0924\u0925\u093e \u0932\u094b\u0928 \u0915\u0940 \u0958\u093f\u0938\u094d\u0924 \u0938\u092e\u092f \u092a\u0930 \u091a\u0941\u0915\u093e\u090f\u0902<br\/>2. \u0905\u092a\u0928\u093e \u0915\u094d\u0930\u0947\u0921\u093f\u091f utilization 30% \u0938\u0947 \u0915\u092e \u0930\u0916\u0947\u0902\u0964 <br\/>3. \u0928\u090f \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u0947 \u0932\u093f\u090f \u0938\u0902\u092f\u092e\u093f\u0924 \u0924\u0930\u0940\u0915\u0947 \u0938\u0947 \u0906\u0935\u0947\u0926\u0928 \u0915\u0930\u0947\u0902<br\/>4. Secured Loan  (\u091c\u0948\u0938\u0947 \u0917\u0943\u0939 \u090b\u0923, \u0911\u091f\u094b \u090b\u0923) \u0914\u0930 Unsecured Loan  (\u091c\u0948\u0938\u0947 \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u090b\u0923, \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921) \u0915\u093e \u090f\u0915  \u092e\u093f\u0936\u094d\u0930\u0923 \u092c\u0928\u093e\u090f \u0930\u0916\u0947\u0902\u0964<br\/>5. Credit Report \u0915\u0940 \u0938\u092e\u0940\u0915\u094d\u0937\u093e \u0915\u0930\u0947\u0902\u0964 <\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1726589769224\"><strong class=\"schema-faq-question\">CIBIL Score \u0915\u094d\u092f\u094b\u0902 \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u0939\u0948 ?<\/strong> <p class=\"schema-faq-answer\">\u091c\u092c \u0906\u092a \u090b\u0923 \u092f\u093e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921 \u0932\u0947\u0928\u093e \u091a\u093e\u0939\u0924\u0947 \u0939\u0948 \u0924\u094b \u0938\u093f\u092c\u093f\u0932 \u0938\u094d\u0915\u094b\u0930 \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0939\u094b\u0924\u0940 \u0939\u0948\u0964 CIBIL \u0938\u094d\u0915\u094b\u0930 \u0905\u091a\u094d\u091b\u093e \u0939\u094b\u0928\u0947 \u0915\u093e \u092e\u0924\u0932\u092c \u0939\u0948 \u0915\u093f \u0906\u092a\u0915\u093e \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0907\u0924\u093f\u0939\u093e\u0938 \u0905\u091a\u094d\u091b\u093e \u0939\u0948\u0964 Loan \u0915\u0902\u092a\u0928\u0940 \u0910\u0938\u0947 \u0935\u094d\u092f\u0915\u094d\u0924\u093f \u0915\u094b \u0906\u0938\u093e\u0928\u0940 \u0938\u0947 \u0914\u0930 \u0915\u092e \u092c\u094d\u092f\u093e\u091c \u092a\u0930 \u090b\u0923 \u0926\u0947\u0924\u0940 \u0939\u0948\u0964 \u0906\u092a\u0915\u0947 \u090b\u0923 \u0932\u0947\u0928\u0947 \u0915\u0940 \u0938\u0940\u092e\u093e \u0914\u0930 \u092c\u094d\u092f\u093e\u091c \u0926\u0930 CIBIL Score \u092a\u0930 \u0928\u093f\u0930\u094d\u092d\u0930 \u0915\u0930\u0924\u093e \u0939\u0948\u0964 <\/p> <\/div> <\/div>","protected":false},"excerpt":{"rendered":"<p>\u0905\u0917\u0930 \u0906\u092a \u0932\u094b\u0928 \u0932\u0947\u0928\u0947 \u0915\u093e \u0938\u094b\u091a \u0930\u0939\u0947 \u0939\u0948\u0902 \u0914\u0930 \u0906\u092a\u0915\u093e CIBIL score \u0915\u092e \u0939\u0948 \u0924\u094b \u0906\u092a\u0915\u0947 \u092e\u0928 \u092e\u0947\u0902 \u092d\u0940 \u092f\u0939 \u0938\u0935\u093e\u0932 \u0906\u092f\u093e \u0939\u094b\u0917\u093e \u0915\u093f How Can I Improve CIBIL Score. \u0906\u091c \u0907\u0938 \u092a\u094b\u0938\u094d\u091f \u0915\u0947 \u091c\u0930\u093f\u092f\u0947 \u0939\u092e \u092f\u0939 \u091a\u0930\u094d\u091a\u093e \u0915\u0930\u0947\u0902\u0917\u0947 \u0915\u093f \u0906\u092a \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u0915\u094b \u0915\u0948\u0938\u0947 \u092c\u0947\u0939\u0924\u0930 \u092c\u0928\u093e \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964 \u0932\u0947\u0915\u093f\u0928 \u0909\u0938\u0938\u0947 \u092a\u0939\u0932\u0947 \u0939\u092e \u0925\u094b\u095c\u093e CIBIL [&hellip;]<\/p>","protected":false},"author":2,"featured_media":3017,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[40],"tags":[82],"class_list":["post-3016","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking","tag-cibil-scorecredit-cardcredit-scorehow-can-i-improve-cibil-score"],"_links":{"self":[{"href":"https:\/\/seekhomujhse.in\/en\/wp-json\/wp\/v2\/posts\/3016","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/seekhomujhse.in\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/seekhomujhse.in\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/seekhomujhse.in\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/seekhomujhse.in\/en\/wp-json\/wp\/v2\/comments?post=3016"}],"version-history":[{"count":1,"href":"https:\/\/seekhomujhse.in\/en\/wp-json\/wp\/v2\/posts\/3016\/revisions"}],"predecessor-version":[{"id":3051,"href":"https:\/\/seekhomujhse.in\/en\/wp-json\/wp\/v2\/posts\/3016\/revisions\/3051"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/seekhomujhse.in\/en\/wp-json\/wp\/v2\/media\/3017"}],"wp:attachment":[{"href":"https:\/\/seekhomujhse.in\/en\/wp-json\/wp\/v2\/media?parent=3016"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/seekhomujhse.in\/en\/wp-json\/wp\/v2\/categories?post=3016"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/seekhomujhse.in\/en\/wp-json\/wp\/v2\/tags?post=3016"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}