How Can I Improve My CIBIL Score in 30 Days?

Your CIBIL score serves as a major deciding factor when it comes to availing of a loan or a credit card. Having and maintaining a good score not only improves the chances you getting a loan or credit, but also helps you get your hands on the best rates of interest. However, if you have a low score, you might have to delay the application procedure and work towards improving the credit score instead. In case you are wondering how to increase my CIBIL score in a month, read on!

How to Increase My CIBIL Score?

While your credit score can be anywhere between the range of 300-900, lending institutions and banks consider 750+ the ideal score as it implies high creditworthiness. A score between 650 and 750 is also considered fairly good but any number beyond that may signify a poor repayment history and lack of consistency in paying off debts, which eventually leads to the lender either rejecting the loan and credit application or charging exorbitant interest rates.

Nevertheless, in such cases, you can adopt a few measures to increase CIBIL score in as less than 30 days! Here are the top 7 tips to build a strong credit score –

  • Settle Your Dues 

If you have been delaying payments for an existing loan EMI or credit card bills, now is the time to prioritize these things and start paying them off as early as possible. You may have to rework on your budget and plan your finances accordingly to clear all your debts, doing so will certainly give a boost to your CIBIL score. 

  • Lower Your Credit Utilization Ratio 

The higher the credit utilization ratio, the lower will be your CIBIL score. Therefore, to increase your score, avoid using credit cards for all transactions and ensure to keep your credit utilization ratio below 30%.

  • Monitor Your Credit Report Regularly 

Monitoring your credit report frequently is a great way to check CIBIL score as any negative information can lower the score. If there are any defaults or delay in payments, it will show up in the report so you can pay them off immediately. Besides, the report can tell you if there has been a mistake or any sort of inaccuracy in the information recorded, so you can fix it and boost your credit score within 30 days. 

  1. Get a Healthy Credit Mix 

Having too many unsecured loans is often seen as a negative credit behaviour, which causes a drop in the credit score and increases the chances of a loan rejection. Therefore, instead of opting for too many unsecured loans, try to maintain a healthy mix of credit, combining long-term and short-term loans, secured loans (home loans, car loans) and unsecured loans (personal loans) to improve credit score.

  • Avoid Re-applying for Credit 

If your loan or credit card application has been rejected in the past, you should give yourself some time and stop applying for credit frequently. This is because once the information about the credit reapplication gets recorded in the credit report, your CIBIL score will automatically go down and the lender may reject your application based on that. Besides, multiple credit inquiries also imply an individual’s hunger for credit. 

  • Avoid Settling Credit Cards and Loans 

Borrowers often choose to settle a loan or credit. This basically means approaching the lender and asking them for a deal that will enable them to seal the debt for an amount much lower than the due amount. Although banks do agree on such settlements sometimes, it surely reflects on the credit report and has a negative impact on the score. Therefore, it is better to keep credit cards and loans unsettled. 

  • Sign Up as Joint Applicants

You can up your credit score by signing up as a joint applicant or co-borrower. However, this is true if your partner or co-applicant has a good credit score and is regular with their payments. Both the scores combined, you can certainly see a positive impact on CIBIL score

How to Check CIBIL Score?

If you want to check CIBIL score, there are two ways you can go about it – CIBIL check through PAN Card or Aadhaar Card. Both procedures are explained below –

Steps required for CBIL Score Check Online by PAN Card free 

  • Visit the official website of CIBIL –
  • At the top right section, click on the link saying ‘Get Your Credit Score’ 
  • Select a Subscription Plan 
  • Next, enter your PAN Card number, DOB, email ID, Gender etc.
  • Hit the Captcha code 
  • Acknowledge the Terms and Conditions
  • Proceed to make payments
  • Check the credit score

CIBIL Score Check with Aadhaar Card Number

Although you can use your Aadhaar Card to check CIBIL score at times, it may not always be possible since the CIBIL score is linked to the PAN Card only.


Although there’s no denying that a bad CIBIL score can negatively impact your future credit requirements, one can certainly do the needful to increase credit score. The above tips can be implemented by borrowers to increase credit – all it takes is a little patience and determination. Check CIBIL score for free using a PAN Card or Aadhaar Card to get accurate results. If your score is already at a decent position, and if proper measures are taken, it is very much possible to increase CIBIL score further in a month!