Does checking my own score lower it?

No, when you check your own score, it is called a Soft Inquiry. You can check it as many times as you want without hurting your score.

I have never taken a loan. Is my score 900?

Actually, no. If you have never borrowed money, you don't have a history. Your score might show as NA or NH (No History). To build a score, you might need to start with a small Secured Credit Card or a tiny loan.

Should I close my credit cards to improve my score?

Not necessarily, closing a card reduces your total available credit, which can actually make your usage ratio look higher. It’s often better to keep the card and just not use it.

How to Improve Cibil Score

Have you ever wondered why some people get loans easily while others don’t? The secret often lies in a three digit number called a CIBIL Score. Think of your CIBIL score like a school report card. In school, your marks show how well you study. In the world of money, your CIBIL score shows how well you handle borrowed money. If you want to buy a house, a car, or start a business one day, having a high score is very important.

Investment plans

Generate wealths Earn 1 Cr^# in maturity with Zero LTCG tax^¶
Double tax savings^ On premiums (under 80C) and on maturity (under 10(10D)
Compare & Choose 30+ Plans and 150+ Fund options

We are rated⁺⁺

17.3 Crore

Registered Consumer

Insurance Partners

7.7 Crore

Policies Sold

In-Built life cover

Invest ₹10K/month & Get

₹1 Crore Tax-Free

Plans starting from ₹1,000/month

Your Name

+91

Mobile Number

Your personal information is secure with us

By continuing you agree to receive assistance and agree to our Privacy Policy, Terms of Use & +Disclaimers

What is a CIBIL Score?

A CIBIL score is a number between 300 and 900.

300-550: Poor (Needs work)
551-700: Average
700-749: Good
750-900: Excellent

Lenders (like banks) look at this number to see if they can trust you to pay them back. A higher score means you are a "star student" of finance.

How Cibil Score Works

When you take a loan or use a credit card, the bank sends your payment details to a company called TransUnion CIBIL. This company keeps a record of:

How much money you borrowed.
Whether you paid it back on time.
How much money you still owe.

Based on this behavior, they give you a score. The closer your score is to 900, the more "trustworthy" you appear to a bank.

5 Easy Ways to Improve Your Score

Improving your score isn't a magic trick; it’s about building good habits. Here are the most effective ways to do it:

Pay Your Bills on Time

The biggest part of your score depends on your payment history. If you forget to pay a credit card bill or a loan installment (EMI), your score will drop.
- Tip: Set up "Auto-pay" on your bank account or use phone reminders so you never miss a date.
Don't Use Too Much Credit

Imagine you have a credit card with a limit of ₹10,000. If you spend ₹9,000 every month, the bank thinks you are "credit hungry" or struggling for money.
- Rule of Thumb: Try to use only 30% of your limit. In this case, that would be ₹3,000.
Check for Mistakes

Sometimes, your score is low because of a mistake that isn't even yours! Maybe a bank forgot to update that you paid off a loan.
- Action: Check your CIBIL report once a year. If you see a mistake, tell the CIBIL office immediately so they can fix it.
Don't Apply for Too Many Loans at Once

Every time you apply for a new credit card or a loan, the bank checks your score. This is called a "Hard Inquiry." If many banks check your score at the same time, it makes you look desperate for money, which lowers your score.
Keep Your Old Accounts

The longer your history with money, the better. If you have an old credit card that you don't use much, don't close it. Having a long "friendship" with your bank shows you are stable and reliable.

How Long Does it Take to Improve?

You cannot fix a CIBIL score overnight. It’s like growing a plant, it takes time and care. Usually, it takes 4 to 12 months of good behavior to see a big change in your numbers.

What Happens if Your Score is Low?

A low score isn't just a number; it affects your real life. If your score is low:

Higher Interest: Banks might charge you more money to borrow. It’s like a "penalty" for being risky.
Loan Rejection: Some banks might just say "No" when you ask for a loan.
Rental Problems: In some places, landlords check your score before letting you rent an apartment.

How Often Should You Check Your Score?

While you don't need to monitor your score daily, reviewing your credit report once every quarter (three months) is a highly recommended habit. Think of this as a routine health check-up for your finances. Regular monitoring allows you to identify "red flags," such as reporting errors or unauthorized transactions, before they escalate into significant financial hurdles.

FAQs

Does checking my own score lower it?

No, when you check your own score, it is called a Soft Inquiry. You can check it as many times as you want without hurting your score.
I have never taken a loan. Is my score 900?

Actually, no. If you have never borrowed money, you don't have a history. Your score might show as NA or NH (No History). To build a score, you might need to start with a small Secured Credit Card or a tiny loan.
Should I close my credit cards to improve my score?

Not necessarily, closing a card reduces your total available credit, which can actually make your usage ratio look higher. It’s often better to keep the card and just not use it.

Invest More Get More!

You Get

₹1 Crores*

You Invest

₹10K/month

You Get

₹80 Lakhs*

You Invest

₹8K/month

You Get

₹50 Lakhs*

You Invest

₹5K/month

Calculators

Show More Calculator

Investment Calculator

One time
Monthly

Amount I wish to invest ₹

Invest for (Years)

Stay invested for (Years)

Expected rate of return (in %) / Year

Sensex has given 10% return from 2010 - 2020

You invest

You get

View plans

Investment plans Articles

Popular Articles

IPPB Premium Sampoorna Savings Account

29 Oct 2026

The IPPB Premium Sampoorna Savings Account is a

IPPB Premium Surakshit Savings Account

29 Oct 2026

The IPPB Premium Surakshit Savings Account is a

IPPB Aadhaar Mobile Number Update Online

29 Sep 2026

While full online updates aren't possible due to mandatory UIDAI

Gruha Lakshmi Scheme

25 Sep 2026

The Gruha Lakshmi Scheme or Gruha Lakshmi Yojana is a flagship

Mahila Rojgar Yojana

28 Jul 2026

Mukhyamantri Mahila Rojgar Yojana is a scheme launched by the

How to Check CIBIL Score

07 Nov 2025
161219

Checking your CIBIL Score is a simple process that gives you instant insight into your financial health and

Compound Interest Calculator

17 Nov 2021
86311

A compound interest calculator helps determine the future value of an investment based on regular compounding. By

IPPB Aadhaar Mobile Number Update Online

29 Sep 2026
3653

While full online updates aren't possible due to mandatory UIDAI biometric verification, India Post Payments Bank

IPPB Customer ID

21 Aug 2025
23599

You can easily find your IPPB Customer ID by sending an SMS “GETCIF DDMMYYYY” to 9910228664 from your

Policybazaar Credit Score

16 Dec 2025
20372

A credit score is a 3-digit number which acts as the numerical representation of any individual’s credit

˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar Insurance Brokers Private Limited does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in

Past 10 Years' annualised returns as on 01-11-2026

^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.

*All savings are provided by the insurer as per the IRDAI approved insurance plan.

Tax benefit is subject to changes in tax laws. Standard T&C Apply
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ

^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.

¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.

**Returns are based on past 10 years’ fund performance data (Fund Data Source: Value Research).