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Build a Good Credit Score

Your credit score determines your ability to get loan, credit card…

Credit score and credit information report (CIR) indicate your credit-worthiness. Based on your repayment history, credit bureaus like Cibil, Experian and Equifax assign a credit score which is a numeric summary of your credit history. You can access your credit score by filling-up a form on the credit bureau's website and authenticating your identity. Range of credit scores is 300 to 900 for Cibil, 280 to 850 for Equifax and 330 to 830 for Experian.

All banks and financial institutions have instant access to individuals’ credit scores and credit reports and the same are checked when an application is made for a loan or for issue of a credit card. Approval of loan (and terms thereof) or issuance of credit card is on the basis of the applicant having a satisfactory credit score. In fact, higher the score better are the chances of approval.

How can you improve your credit score?

First of all, you need to build a credit history by applying for a credit card, if you do not have one. Use the credit card smartly to get a good credit score. When needed, you can ask for your credit report from Cibil or others. If your credit score is above 700-750, there is no need to worry because banks will consider your credit management to be good. Some non-banking financial companies (NBFCs) may lend to persons with score above 650.

All others who credit score is lower than above numbers, have to figure out from the credit reports whether there are any inaccuracies therein such as late payments. Such errors need to be resolved with the credit bureaus and banks so that correct picture is reflected in the report. There have been many instances of loans being denied based on wrong rating by Cibil which in turn was a result of wrong reporting by bank to Cibil.

Some of the tips to improve credit scores are: (a) Pay utility bills (electricity, water, phone, mobile, gas etc) on or prior to the due date. (b) Pay credit cards bills on time. Pay the full amount and do not pay minimum amount to carry-forward the rest. (c) Have just one or at the most 2 credit cards. Close all unused credit cards (d) Use credit card sparingly and do not use up full credit limit to make large purchases (e) Pay loan EMIs on time and settle older loans (d) Avoid unsecured loans like personal loans. (f) Avoid multiple loan applications (g) Never allow bouncing of a cheque issued by you

CRIF High Mark Credit Information Services Pvt Ltd

Credit information bureau catering to all borrower segments – MSME and commercial borrowers, retail consumers, microfinance borrowers. Are operating India's first Microfinance Bureau Database.

Phoenix Paragon Plaza, CTS No. 124/B, 15, L.B.S Marg, Kurla (West), Mumbai 400070

022-7171 2900

Link to request credit report

Credit Information Bureau (India) Ltd (CIBIL)

To receive credit score, access site to fill-up form and pay Rs 500. Answer 3 to 5 questions about your loan / credit card. If authentication is successful, instantly receive your credit score online and by email. If authentication is unsuccessful, you will receive the credit score will be sent to your address by courier.

022-6140 4300, 6638 4600


Credit Sudhaar Services Pvt Ltd

Based on your credit report, they carry ourt a comprehensive credit health analysis at a cost of Rs 999. They offer credit health packages (starting at Rs 12,000) to restore and improve your credit-worthiness, thereby enabling you to access loans a preferential interest rates.

Mumbai: 022-6179 7000, Bangalore: 080-4912 4444, Delhi-NCR: 011-4900 2888, Pune: 098817 59061, Kolkata: 098301 69011.



Receive your Equifax credit report online free of cost. If you have CIBIL report, upload it to them. They will analyse your Equifax and/or CIBIL report and advise specific actions to be taken by you to improve your credit score and credit history. Based on your improved score, they match you with right lenders so that your borrowing costs come down.

044-2466 0805



To improve your credit score, upload your CIBIL credit report to CreditSeva. Their smart tool analyses the report and presents problem areas with detailed analytics and graphics. You are now able to settle old accounts, rectify errors, protect your identity from fraud etc which will result in an improvement in your credit score.

080109 99333



Access 'Free Credit Score' link, and calculate your credit score, find out your loan eligibility and maximize your savings. Their chargeable services are Credit Planner (Rs 1999), EMI Saver (Rs 3999) and Score Builder (Rs 9999)

022-4012 4545


Equifax Credit Information Services Private Limited

Download the credit report request form, fill it up and courier it to the address below along with self-attested xerox copies of ID proof and address proof as well as a DD for Rs 138 for credit report or a DD for Rs 400 for credit score.

Unit No. 931, 3rd floor, Building no. 9, Solitaire Corporate Park, Andheri Ghatkopar Link Road, Andheri East, Mumbai 400 093


Link for credit report request form

Experian Credit Information Company of India Private Ltd.

To receive your credit information report, download & print the application form. Fill-up the form and send it by mail or courier to the address below along with DD for Rs 138 and self-attested xerox copies of one identity proof and one address proof. Report will be couriered to you in 20 days.

Consumer Support Department, Platina, 2nd Floor, C-59, G Block, Bandra Kurla Complex, Bandra (E), Mumbai 400051.

022-6641 9000



Register on their website and receive your credit score and report online, free of cost.

Ground Floor, 119, Sector 44, Gurgaon 122001