Introduction
A CIBIL score of 600 is not the end of the road — it is a starting point. We have helped dozens of clients move from the 600s to 750+ in six months or less. Here is exactly how we do it.
Step 1: Pull Your Full Credit Report
Most people only check their score. The score is just a number — the report tells you why it is low. Get your full report from CIBIL and look for missed payments, high credit utilization, errors or disputes, and accounts you do not recognize.
Step 2: Clear All Overdue Amounts Immediately
Even one missed EMI drags your score down significantly. If you have any overdue amounts — clear them first. Call your bank and ask for a written No Dues Certificate for each cleared account.
Step 3: Reduce Your Credit Utilization Below 30%
If your credit card limit is ₹1,00,000 and your outstanding balance is ₹75,000 — that is 75% utilization. Banks see this as financial stress. Pay down the balance, or request a limit increase to bring the ratio below 30%.
Step 4: Do Not Apply for New Loans
Every time you apply for a loan, the bank does a hard inquiry on your credit profile. Multiple hard inquiries in a short period signal desperation and drop your score further. Avoid applying anywhere while you are rebuilding.
Step 5: Dispute Errors on Your Report
Errors are more common than people think. If you see an account that is not yours, a settled loan still showing as active, or an incorrect late payment — raise a dispute with CIBIL directly. Corrected errors can improve your score quickly.
Step 6: Maintain Discipline for 6 Months
Pay every EMI and credit card bill on time. Set auto-pay reminders. Your payment history is the single largest factor in your score. Six months of consistent, on-time payments will show measurable improvement.
If you would like us to review your credit report and build a personalised improvement plan, contact us for a free consultation.